Foreign National Mortgage Solutions
We help international buyers finance U.S. real estate — no Social Security number required.
Loan Programs for International Buyers
Specialized financing designed for non-resident investors and foreign nationals.
Foreign National Loan
No U.S. credit history required. Purchase with 25-40% down. Passport + bank statements only.
DSCR Loan
Qualify on rental income only. No U.S. tax returns. Perfect for investment properties.
Jumbo & Super Jumbo
$1M–$30M+ loans for California luxury estates. Beverly Hills, Malibu, Bel Air specialists.
Asset Depletion
Qualify using global assets. No income documentation required. Ideal for ultra-HNW buyers.
LLC Investment Loans
Finance through a U.S. LLC. Ideal for portfolio investors and family offices.
Vacation Home Loans
Second home financing for international buyers. Coastal California specialists.
Serving International Buyers From
We specialize in Gulf state, Middle Eastern, Asian, and European investors.
Check Your Eligibility — Free AI Assessment
Our AI will instantly assess your loan options and match you to the best program. No obligation.
Frequently Asked Questions
Can I get a U.S. mortgage without a Social Security number?▼
Yes. Foreign national loans use your passport and international bank statements. No SSN or U.S. credit history required.
How much down payment is required for foreign nationals?▼
Typically 25-40% depending on the program. DSCR loans for investment properties often require 25-30%. Jumbo loans may require 30-40%.
Can I purchase through an LLC?▼
Absolutely. Many international investors purchase through a U.S. LLC for liability protection and estate planning. We specialize in LLC investment loans.
What documents are required?▼
Typically: valid passport, 12-24 months international bank statements, proof of income or assets, and property information. No U.S. tax returns needed for foreign national programs.
Can UAE/Saudi/Gulf citizens buy U.S. real estate?▼
Yes. We specialize in financing for Gulf state investors purchasing California luxury and investment properties. We understand the specific documentation and structure needed.
What is a DSCR loan?▼
Debt Service Coverage Ratio loans qualify based on rental income, not personal income. If the property generates enough rent to cover the mortgage, you qualify — regardless of your nationality or tax returns.
Ready to Finance Your U.S. Property?
Our international mortgage team speaks your language and understands your market.
Pacific Rate NMLS #329956 · Empowered by NEXA Lending NMLS #1660690 · Equal Housing Lender
