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No U.S. Credit? No Problem – We’ve Got You Covered
Foreign National Loans – For Second Homes & Investments
Designed for international buyers with no U.S. credit history, our Foreign National Loan Program offers a simple and flexible path to owning property in the United States. Whether you’re buying a second home, investment property, or short-term rental, you can qualify without U.S. income or tax returns. With up to 75% loan-to-value, loan amounts up to $3 million, and approval based on assets or DSCR, this program helps foreign nationals invest confidently and quickly — without the usual roadblocks.
FAQs
Do I need a U.S. credit score or income to qualify?
No. You can qualify using foreign income, liquid assets, or DSCR (rental income from the property).
Is this program available in all states?
We are licensed in 48 U.S. states (excluding NY and WA).
Can I use Airbnb or short-term rental income to qualify?
Yes. Short-term rentals, including Airbnb and VRBO, are eligible under this program.
Want to Buy in the U.S. Without Credit History? Here’s How It’s Done
Buying a home or investment property in the U.S. can be an attractive goal, but for many foreign nationals, the lack of a U.S. credit profile can create major barriers. Traditional lenders often reject non-resident applicants or require extensive documentation. That’s why our Foreign National Loan Program is designed to eliminate these challenges. By using assets, DSCR income, or global financials, borrowers can purchase or refinance without U.S. credit, W-2s, or tax returns.
Whether you're looking for a vacation home, real estate income opportunity, or portfolio expansion, our streamlined approach makes it easier than ever to get approved.
Why International Investors Choose This Program
This isn’t just about flexibility — it’s about making your cross-border investment possible. Our program allows you to finance up to 75% of the purchase price, qualify with credit alternatives, and close fast — even when applying from abroad. With support for short-term rentals, DSCRs down to 0.75, and loans up to $3MM, it’s one of the most powerful real estate tools available to global investors.
Whether you're based in Canada, Europe, Asia, or beyond — we can help you access the U.S. real estate market on your terms.