Foreign National Loans
U.S. property financing for non-resident buyers
Foreign National loans allow non-U.S. citizens and non-permanent residents to purchase or refinance U.S. real estate without a Social Security number, U.S. credit history, or U.S. tax returns. Whether you're buying a vacation home, investment property, or relocating for business, CFGC has the expertise to close your loan.
25%
Min. Down Payment
$150K
Min. Loan Amount
$3M+
Max. Loan Amount
30–45 Days
Typical Close
Key Features & Benefits
- No U.S. credit history required
- No Social Security number required
- No U.S. tax returns required
- Purchase or cash-out refinance
- Vacation homes and investment properties
- LLC and entity vesting allowed
- Condos, single-family, and multi-unit eligible
- Competitive fixed and adjustable rate options
Best For
- Non-U.S. citizens buying U.S. vacation homes
- Foreign investors purchasing rental properties
- Visa holders (B1/B2, H-1B, L-1, E-2, O-1)
- International business owners relocating to the U.S.
- Buyers without U.S. credit history
May Not Be Ideal If
- U.S. citizens or permanent residents (use conventional or jumbo)
- Borrowers seeking primary residence owner-occupancy loans
- Properties in rural or non-warrantable condo projects
How It Works
Your Path to Closing
Initial Consultation
We review your visa status, income sources, and property goals to identify the best program and documentation path for your situation.
Document Collection
We guide you through gathering international bank statements, credit references, passport, and visa documentation — no U.S. tax returns needed.
Underwriting & Appraisal
Your file is reviewed by our specialist underwriting team experienced in foreign national transactions. U.S. property appraisal is ordered.
Close & Take Ownership
Sign closing documents (can often be done remotely or at a U.S. consulate), fund the loan, and take ownership of your U.S. property.
Common Questions
Frequently Asked Questions
Also Consider
Other programs that may fit your situation
Ready to Purchase U.S. Property?
Speak with a CFGC Foreign National loan specialist — no obligation, multilingual support available.
All loan programs subject to credit approval. Rates, terms, and availability subject to change without notice. Not a commitment to lend. Capital Financial Group Corporation — NMLS #2547138. Equal Housing Lender. www.nmlsconsumeraccess.org