Foreign National Program

Our foreign national loans help you easily accomplish complex transactions. As a foreign national mortgage lender, 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.

Note: if your borrower has a work visa, please refer to our Work Visa/Expatriate program.


  • For borrowers living and working outside of the United States, who need financing for a second home or investment property in the United States.
  • Loan amounts up to $3,000,0001
  • Max LTV 50% (max LTV 60% considered with International Credit Report)
  • Income, asset, and PITI verification required (English translation required)
  • Cash-out available (no seasoning on recent purchases to $1,500,000)
Program Details
Lending Area Available in all 50 states
Acceptable Collateral SFR, 1-4 family, High-rise Condo, Condo, Condotel, Co-op, Acreage, Hobby Farms, Second Homes, NOO  
LTV Loan Amount

Max 50% LTV allowed up to $3 MM1

Expanded LTVs allowed with International Credit Report Contact AE for details

Income & Assets

Full documentation required - all income and asset documents must be translated into English.

All Income, PITI and asset documents must be translated into English.


Required by closing for 1098 Mortgage Interest Reporting purposes
Cash Out

Loan amounts up to $3 MM with unlimited cash in hand

No seasoning requirements on all collateral types including NOO

Asset Depletion

Yes, if held in a U.S. financial institution

See Asset Depletion Program for details.

Pre-approval All loans pre-approved before appraisal order “TBD Address” pre-approvals accepted
Gifted down payment / Gifted Reserves / Gift of Equity Yes
Rush Closings

> 2 week rush closings available.

Call your AE for details.

1Loans over $3 MM approved on an exception basis

Download our complete Portfolio Mortgage Program Guidelines