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Loans for Foreign Nationals

Non-citizens interested in buying a home in the US can still qualify for a loan. A Foreign National Mortgage can be made without credit or a social security number and can be used as a secondary or investment property.

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Loan options for international clients seeking financial solutions.
A smiling woman using a tablet near a window, representing accessible loan services for foreign nationals.

As seen in:

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Trusted financial services logo for competitive loan and mortgage rates.

Top military lender

NMP

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Preferred Rate logo on a professional financial website.
Trusted financial services logo for competitive loan and mortgage rates.

Top mortgage lender

Scotsman guide

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The Preferred Rate logo displayed on a financial services platform emphasizing competitive mortgage and loan options.
Preferred Rate logo on a professional financial website.
Trusted financial services logo for competitive loan and mortgage rates.

5-Star Lender

MPA

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The Preferred Rate logo displayed on a financial services platform emphasizing competitive mortgage and loan options.
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Trusted partner for California HFA home loan programs and mortgage solutions.

TOP LENDER

CALHFA

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Preferred Rate offers expert mortgage solutions to help you find the best rates and financing options.

TOP EMPLOYER

DIVERSITY JOBS

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Trusted mortgage services by Preferred Rate for competitive rates and expert guidance.

TOP 100 MORTGAGE COMPANIES

MORTGAGE EXECUTIVE

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5-STAR LENDER

Mortgage Professional America

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The Preferred Rate logo showcases a professional financial services brand specializing in mortgage and loan solutions.

TOP 250 LATINO MORTGAGE ORIGINATORS

NAHREP

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MOST LOVED MORTGAGE EMPLOYERS

NMP

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Trusted mortgage and financial services provider logo for optimal home loan solutions.

TOP MORTGAGE LENDER

Scotsman Guide

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TOP MILITARY LENDER

NMP

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Trusted mortgage and financial services provider logo for optimal home loan solutions.

TOP 15 VA LENDER

Scotsman Guide

Product highlights

  • No US credit or passport required
  • Single-family homes, townhomes, and condos eligible
  • Loans up to $1.5M
  • Second home or investment property
  • No primary allowed
  • Liquid assets required for down payment and closing costs
  • Three open credit trade lines or verifiable letters of reference from banks showing open credit lines and acceptable payment history
  • Maximum 70% LTV
  • In-house underwriting
  • Eligible for DSCR Loans or Income qualification for DTI
  • Valid state-issued ID
Borrower advantages
  • Use for upsizing or downsizing current home with access to equity
  • Buy a property closer to family or pay off existing mortgage and debts
  • Creates another source of income
  • Financial planning tool available to assist in long range planning
Realtor advantages
  • Thousands of DREAMers are ready for homeownership as they grow in number
  • Many companies require a minimum 30% down payment for foreign national loans, APM requires as little as 20%
  • In-house underwriting means we can work quickly with borrowers if any issues arise
Preferred Rate helps first-time homebuyers with easy mortgage options.
Jessica Thompson shares her positive experience with Preferred Rate for her first home purchase.

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Loan Programs

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FHA Loans
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Low Down Payment Loans
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A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
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A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
Construction financing solutions for building your dream home or project. Expert guidance for seamle.
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Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
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Image of a smiling doctor holding a clipboard in a medical office setting. Perfect for promoting medical professional loan services.
Medical Professional Loans
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First Responders | Nurses | Teacher Loans
Affordable community lending options for homebuyers.
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Community Lending
Expanded Income Loans for Home Improvements.
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Loan Programs

Spacious living room with comfortable seating, large windows, and stylish decor.
A bright, inviting living room featuring a blue sofa, wooden chairs, and a fireplace with logs, perfect for relaxing or entertaining.
DSCR Loans (Investment Loans)

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Beautiful modern craftsman-style house with a landscaped front yard and garage.
A stunning craftsman-style home featuring a welcoming porch, modern design, and the 1% Home Loan Program.
1% Home Loan Program

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Man using smartphone at home, exploring conventional loan options.
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Conventional Loans

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Comfortable living room featuring a fireplace, wall-mounted TV, and stylish decor for a welcoming ho.
A welcoming living room with a fireplace, wall-mounted TV, and elegant decor, ideal for relaxing and entertaining in a cozy home setting.
Down Payment Assistance (DPA)

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Child on Veteran's shoulders with American flag, symbolizing VA loan benefits.
Supporting veterans and families with VA home loan options and resources.
VA Loans
USDA loan approval process for rural home financing.
A couple stands outside a new house, symbolizing rural homeownership with USDA loans.
USDA Loans
FHA loan approval process with Preferred Rate for homebuyers.
Happy couple discussing FHA loan options at home.
FHA Loans
Beautiful blue house with landscaped yard, ideal for low down payment mortgage options.
Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
Beautiful house exterior with porch, windows, and landscaped yard.
A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
Happy couple working on home renovation inside a room with construction tools.
A smiling couple during a home renovation project, standing on stairs with construction supplies around them.
Home Renovation
Luxury home with a spacious driveway and well-maintained landscaping for jumbo loan financing.
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
Man using a laptop on a bean bag chair, promoting flexible bank statement loans.
Comfortable man working on a laptop at home, highlighting flexible bank statement loan options for homebuyers.
Bank Statement Loans
Beautiful manufactured home with a welcoming porch and landscaped yard.
A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
Construction financing solutions for building your dream home or project. Expert guidance for seamle.
Two workers in safety helmets working on a construction site, focusing on woodwork and project progress.
Construction Financing
Colorful Victorian-style condominiums with detailed architecture and lush greenery.
Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
Healthcare professional loan options for doctors and medical staff. Secure funding to grow your medi.
Image of a smiling doctor holding a clipboard in a medical office setting. Perfect for promoting medical professional loan services.
Medical Professional Loans
Nurse smiling with tablet, promoting first responder loan programs.
A nurse smiling while holding a tablet, highlighting loan options for first responders, teachers, and nurses.
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Affordable community lending options for homebuyers.
Aerial view of a new residential property in a friendly neighborhood.
Community Lending
Expanded Income Loans for Home Improvements.
Modern house with landscaped yard and garden.
Expanded Income Loans
Modern two-story house with garage, ideal for bridge loan financing.
A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Buydown mortgage rates with temporary payment reductions.
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
Senior couple exploring reverse mortgage options on laptop.
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
Expanded Credit Loans living room with modern furniture and cozy decor.
Comfortable living room featuring yellow armchairs, a fireplace, and a flat-screen TV, ideal for home improvement financing options.
Expanded Credit Loans
Home loan options for quick approval and competitive rates.
Simplify your home buying process with Preferred Rate's SmartBuy program.
Click n’ Close SmartBuy National DPA
Seller PreLock Program for homeowners to secure home sale options.
A woman reviews her home sale options on a tablet in a bright, modern kitchen, highlighting the Seller PreLock Program benefits.
Seller PreLock Program
Preferred Rate Pathway DPA Program interior design.
Spacious living room with contemporary furniture and a sleek kitchen setup.
Pathway DPA Program
Rhyze HELOC
Secure lock program for home safety and security.
Beautiful blue house featuring a secure lock program for enhanced home safety.
Secure Lock Program

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