U.S. real estate, financed for non-U.S. citizens.
Foreign National loans open the door to U.S. investment and residential property for borrowers who live abroad or hold non-citizen status here.
Equal Housing Opportunity
Built for borrowers without a U.S. credit history.
International investors and non-U.S.-citizen buyers are often financially strong in every way that matters — except they don’t have the U.S. credit history a conventional loan depends on. Foreign National loans exist to evaluate creditworthiness through other means, so citizenship or U.S. residency status isn’t a dead end.
Documentation built for an international borrower.
Underwriting generally relies on alternative documentation — foreign credit or banking references, proof of income or assets, and passport/visa identification — in place of a U.S. credit score and Social Security number. Exact documentation and down payment requirements vary by investor and by the borrower’s country of residence, which is why this is a conversation, not a checklist we publish here (see below).
Available nationwide for qualifying U.S. property, regardless of where the borrower resides. The loan programs on this page are business-purpose loans for non-owner-occupied investment or business property — they are not intended for personal, family, or household use. Because they’re business-purpose loans, we offer them nationwide, separately from our California-only consumer home loan programs. This page is general program information, not a set of loan terms, a commitment to lend, or an offer of credit.
Wondering if you’d qualify? Every wholesale investor sets their own guidelines, and the specific numbers — minimum credit score, maximum loan-to-value, qualifying ratios — genuinely vary from loan to loan. Rather than guess at figures here, we’ll walk you through current guidelines for your specific scenario using the same investor relationships we place these loans through. Contact us → and let’s talk about your situation directly.
Get pre-qualified for a Foreign National loan.
Rates, programs, and terms are not guaranteed and are subject to borrower qualification and final lender approval. This is not a commitment to lend.
Nationwide Funding Group Corp, a licensed mortgage lender and mortgage broker | 350 S Crenshaw Blvd, Ste A206A, Torrance, CA 90503 | (310) 961-9750 | NMLS #98906 | CA DRE Corporation License #01801836 (licensed, active, since 2007) | Broker of Record: Alexander J. Gonzalez | NMLS #98329 | CA DRE #01384006 | Equal Housing Opportunity | NMLS Consumer Access → | Licensing & Disclosures | Privacy Policy | Terms of Use | Accessibility Statement | This is not a commitment to lend. All loan programs are subject to borrower qualification, property eligibility, and lender approval, and are not guaranteed.