Work Visa/Expatriate Program

Designed for professionals entering the U.S. with a work visa or other employment authorization, this specialized Work Visa/Expatriate program provides top-notch solutions to meet your client’s needs. We’ll provide you with experienced underwriters who deliver quick turnarounds and well-versed teams to help you through the entire process. You’ll benefit from exceptional service and incredible rates.


  • Designed for professionals entering the U.S. with a Work Visa and for U.S. Citizens living and working abroad1
  • Only an offer letter is needed for pre-approval
  • No U.S. credit required
  • Max LTV 80% for new immigrants to the U.S.
  • Max 70% LTV for U.S. Citizens living abroad (2nd Home)
  • Loan amounts up to $3,000,000 (LTV limits)
Program Details
Lending Area Available in all 50 states
Designed For Professionals entering the U.S. with a work visa or other employment authorization1
SSN/ITIN Requirement Required by closing date
Credit No U.S. or foreign credit reports required, no foreign VOR, no foreign VOM and no alternate tradelines required
Loan Sizes Up to $3 MM allowed with no LTV reduction
LTV 80% LTV to $1.5 MM on SFR2

Up to 70% LTV for U.S. citizens living abroad looking to finance a property in the U.S.

Foreign Assets Considered for reserves and down payments
Gifted down payment / Gifted Reserves / Gift of Equity Yes
Pre-qualification Pre-qualification using an offer letter permitted; First pay stub required for funding

1U.S. citizens working abroad for foreign companies may be considered on an exception basis if U.S. tax returns have been filed showing the foreign income.

2SFR, Condo, Condotel and Co-op allowed at standard LTV’s (No LTV reductions for expatriate/immigrant)

Download our complete Portfolio Mortgage Program Guidelines