Foreign National Loans

Purchasing or refinancing U.S. real estate has never been easier for international buyers. At Nations Trust Mortgage, our Foreign National Loan program is designed for non-U.S. citizens who want a fast, simple financing solution with minimal documentation.

Unlike traditional lenders, we eliminate unnecessary paperwork and make qualifying straightforward. With just a utility bill to verify your foreign residency and one month of bank statements to document available funds, you can move quickly toward closing.

Why Borrowers Choose Our Foreign National Loans

• No U.S. tax returns required
• No U.S. credit history required
• No Social Security Number (SSN) required
• Only one utility bill required as proof of foreign residency
• Only one month of bank statements
• No seasoning of funds required
• No sourcing of funds required
• Purchase and refinance options available
• Financing for investment properties 
• Fast underwriting and competitive rates

Simple Qualification

Our streamlined Foreign National mortgage program removes many of the barriers international buyers face when financing property in the United States. Instead of extensive income documentation, borrowers typically provide:

• Valid passport
• One recent utility bill showing foreign residency
• One month of personal or business bank statements
• Purchase contract (for purchases)

That’s it. No sourcing of funds. No seasoning requirements. No complicated documentation.

Eligible Property Types

Our Foreign National loan program is available for a variety of investment properties, including:

• Single-Family Residences (SFR)
• Townhomes
• Warrantable and eligible Non-Warrantable Condominiums
• Condo-Hotel 
• 2–4 Unit Residential Properties
• Planned Unit Developments (PUDs)
• Long-Term Rental Properties
• Eligible Short-Term Rental Properties (Airbnb & Vacation Rentals)

Ideal For

Our Foreign National loans are an excellent solution for:

• International real estate investors
• Foreign citizens purchasing U.S. investment properties
• Vacation home buyers
• Business owners living outside the United States
• Buyers without U.S. income or credit history

Finance U.S. Real Estate with Confidence

Whether you’re purchasing your first U.S. investment property or expanding your real estate portfolio, Nations Trust Mortgage offers flexible Foreign National mortgage financing with a fast, hassle-free process. Our experienced team specializes in Non-QM lending and understands the unique needs of international borrowers.

Contact us today to learn how easy it is to qualify for a Foreign National loan and receive a customized financing solution tailored to your investment goals.

Benefits of Choosing Nations Trust Mortgage?

Whether you’re purchasing your first U.S. investment property or expanding your real estate portfolio, Nations Trust Mortgage offers flexible Foreign National mortgage financing with a fast, hassle-free process. Our experienced team specializes in Non-QM financing and understands the unique needs of international borrowers.

When you work with us, you’ll receive:

• Expert guidance from experienced Non-QM specialists
• Fast pre-qualification
• Personalized loan options
• Competitive rates
• Responsive communication
• A streamlined mortgage process from application to closing

Our goal is simple:

Help you get approved quickly with the financing solution that best fits your financial profile.