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Foreign National Loans 1

Foreign National Loans

Home Financing Solutions for International Buyers

A Foreign National Loan is designed for non-U.S. citizens who want to purchase real estate in the United States. Whether you’re investing in property, buying a vacation home, or relocating, this loan provides flexible financing options without requiring U.S. credit history or residency.

READY TO BEGIN YOUR LOAN APPLICATION?

Why Choose a Foreign National Loan?

  • No U.S. Credit History Required – Qualify with alternative credit sources

  • Flexible Income Verification– Use foreign bank statements or assets

  • Multiple Loan Options – Fixed-rate, adjustable-rate, and interest-only options

  • Investment & Vacation Homes Allowed – Finance properties for personal or rental use

  • Competitive Loan Terms – Tailored to international buyers’ needs

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Foreign National Loan Qualifications

  • Valid passport & visa (or foreign government ID)

  • Foreign credit report or alternative credit verification

  • Proof of income (foreign bank statements or assets)

  • Down Payment at least 30%

  • Property can be a second home or investment property

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Step-By-Step Foreign National Loan Process

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1. Consult with Our Experts

Discuss your goals & loan options

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2. Submit Financial Documents

Provide foreign income & asset verification

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3. Loan Pre-Approval

Get approved based on financial strength

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4. Choose Your Loan

Fixed, adjustable, or interest-only options

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5. Close & Own U.S. Property

Secure financing with expert guidance

Advantages of a Foreign National Loan

No U.S. Residency or Green Card Required – Open to non-residents

Fast Approval Process – No lengthy U.S. credit verification

Flexible Credit Requirements – Foreign credit history accepted

Interest-Only Options Available – Lower initial payments for investors

Higher Loan Limits – Borrow more for high-value properties

Asset-Based Lending Available – Use international assets for qualification

Diverse Property Options – Primary, secondary, or investment homes

FOREIGN NATIONAL LOANS VS. CONVENTIONAL LOAN- WHICH IS RIGHT FOR YOU?

FEATURE

Foreign National Loan

Conventional Loan

U.S. Credit History Required

No

Yes

Down Payment

At LEAST 30%

3%-20%

Loan Purpose

Second home, investment

Primary, secondary, investment

Income Verification

Foreign assets, bank statements

U.S. income/employment

Property Type

Residential

Residential & investment

Why Choose Us for Your Foreign National Loan?

At Trust Lending, we specialize in helping international buyers navigate U.S. home financing. Our team ensures a smooth, fast, and stress-free mortgage process for non-U.S. residents.

  • Tailored Loan Programs – Designed for international buyers

  • Expert Guidance – We simplify the process for foreign investors

  • Fast & Hassle-Free Approvals – No U.S. credit history required

  • Technology-Driven Service – Secure, efficient digital experience

  • Trusted Experience – Over 20 years in mortgage lending

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At Trust Lending, we believe buying or refinancing a home is a matter of trust—and we’re here to earn yours. With over 15 years of experience, we’ve helped countless homebuyers and homeowners secure affordable, flexible mortgage solutions tailored to their needs.

  • Personalized Loan Solutions – We customize every loan to match your financial goals.

  • Expert Guidance – Our experienced team walks you through every step of the process.

  • Fast & Smooth Approvals – We streamline the process to get you approved quickly.

  • Technology-Driven Service – We invest in the latest tools to make your experience hassle-free.

  • Strict Compliance & Integrity – We follow all industry best practices, ensuring transparency and trust.

APPLY NOW

Learn More About Foreign National Loans

What Is a Foreign National Loan?

A Foreign National Loan is a mortgage solution for non-U.S. citizens who want to purchase property in the United States. Since traditional loans require U.S. credit history and residency, Foreign National Loans offer alternative qualification methods using foreign credit and assets.

Who Can Apply for a Foreign National Loan?

  • Non-U.S. citizens without a Green Card or U.S. residency

  • Foreign investors looking to buy real estate in the U.S.

  • International business owners purchasing property in the U.S.

  • Foreign nationals buying vacation homes

Types of Foreign National Loans

  • Fixed-Rate Loan – Stable monthly payments with a fixed interest rate

  • Adjustable-Rate Mortgage (ARM) – Lower initial rates with periodic adjustments

  • Interest-Only Loan – Lower monthly payments for investors

  • Portfolio Loans – Customized financing based on assets rather than income

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