Foreign National Mortgage – Explained Simply
A Foreign National Mortgage is a special home loan designed for non-U.S. citizens who want to buy property in the United States, even if they don’t live or work here full-time. It’s perfect for international buyers looking to invest, own a vacation home, or build credit in the U.S.
✅ General Requirements:
- Valid passport and visa (or proof of foreign residency)
- Down payment: Usually 20%–30% of the purchase price
- Proof of income/assets from your home country
- Credit references (bank or credit letters) – U.S. credit is not required
- Reserves: Often lenders want to see 6–12 months of mortgage payments saved
👤 Who Qualifies?
- Non-U.S. citizens without a green card or U.S. Social Security number
- People who live and work outside the U.S.
- Investors or buyers purchasing vacation or rental property
At VMA Lending, we make it easy for international buyers to own U.S. real estate. Have questions? We’re here to help every step of the way.