Are you a non-U.S. citizen looking to purchase or invest in real estate in the United States—but don’t live or work here? At Nonqmfunds.com, our Foreign National Mortgage program is tailor-made for international investors who want to buy U.S. properties without the hassle of proving U.S. income, employment, or credit history.

No Social Security number? No U.S. job? No problem. With minimal documentation and flexible loan options, our Foreign National Loan makes investing in American real estate simple, accessible, and fast.

What Is a Foreign National Mortgage?

A Foreign National Mortgage is a specialized loan program that allows non-U.S. citizens who do not reside or work in the United States to buy investment properties or second homes here. Unlike traditional loans, this program doesn’t require U.S. credit, employment verification, or income documents.

This is the perfect option for international buyers who want to invest in American real estate markets or purchase vacation homes—without the red tape.

Who Qualifies as a Foreign National?

You may be eligible for this program if you:

• Are a citizen of a country other than the U.S.
• Do not live or work full-time in the U.S.
• Do not have a Social Security number or U.S. credit score
• Plan to purchase non-owner occupied investment property or a vacation home

Why Choose Nonqmfunds.com for Your Foreign National Mortgage?

• No U.S. Credit Required: We don’t require a credit score, ITIN, or U.S. financial history
• No Income or Job Verification: No W2s, pay stubs, or tax returns needed
• Flexible Documentation: Qualify with a simple letter of good standing with current financial institution or two recent bank statements
• High Loan Amounts: Borrow up to $3,000,000
• Loan Options: 5yr & 7yr ARMs and 30-year fixed terms available
• Eligible Property Types: SFRs, condos, 2–4 units, condotels, PUDtels, short-term rentals
• Nationwide Lending: We lend in all 50 U.S. states

Program Highlights

• Loan Amounts: $50,000 to $3,000,000
• Max LTV: 70% for purchase, 65% for cash-out refinance
• Occupancy: Investment properties or second homes only
• Credit Requirements: No U.S. credit or FICO score required
• Documents Needed: Either: Letter of Good Standing from a recognized financial institution OR 2 consecutive monthly bank statements (foreign or U.S.)
• Loan Types: 5yr ARM, 7yr ARM, or 30-year fixed
• States: All 50 U.S. states

Eligible Properties

• Single Family Residences (SFRs)
• 2–4 unit properties
• Condos (warrantable and non-warrantable)
• Condotels and PUDtels
• Short-Term Rentals (Airbnb, VRBO, etc.)

Owner-occupied homes are not eligible. This program is strictly for investment or vacation purposes.

Simple Qualification Process

1. Provide a valid passport and visa (or qualifying foreign ID)
2. Submit a letter of good standing or 2 recent bank statements
3. Select your desired property and loan term
4. We handle the rest—no income or credit documents required

Most loans close quickly and easily, thanks to our streamlined underwriting process and international-friendly loan structure.

Success Story: A Vacation Home Made Simple

One of our recent clients, an entrepreneur based in Spain, wanted to purchase a short-term rental property in Florida. Because he had no U.S. job or credit score, local lenders turned him away. We stepped in and approved his loan using just two months of foreign bank statements and his passport. Within 30 days, he was the proud owner of a new vacation rental generating passive income year-round.

Frequently Asked Questions

Do I need a U.S. credit score or ITIN?

No. We do not require any U.S. credit history or taxpayer identification number (ITIN) to qualify.

Can I buy the property under an LLC or corporation?

Yes, entity ownership is allowed in many cases. Please inquire about your specific situation.

Do you require income documentation?

No. We do not verify income or employment for foreign national borrowers.

What currencies or countries are accepted?

We work with clients from most countries. Bank statements and letters of good standing may be in your local currency as long as they are from a credible financial institution.

How fast can I close?

Closings typically take 30 days or less, depending on title, appraisal, and documentation.

Get Started Today

Buying U.S. real estate as a foreign national has never been easier. Whether you’re investing in a rental property or securing a vacation home, Nonqmfunds.com is here to make it happen—no credit, no income, no stress.

Apply now and unlock U.S. real estate opportunities from anywhere in the world.

Questions? Email us at fund@nonqmfunds.com.