Want to buy property in the United States but don’t have a Social Security number or U.S. credit history? A Foreign National Loan makes it possible for non-residents to purchase or invest in U.S. real estate with flexible documentation and tailored approval criteria.
✅ No U.S. Credit History Needed
Approval is based on international credit, bank reference letters, or asset documentation—no U.S. FICO score required.
✅ Own a Vacation or Investment Property
Purchase a second home, vacation property, or investment real estate in the U.S. with ease.
✅ Flexible Income Verification
Qualify using foreign bank statements, CPA letters, or other acceptable financial documentation.
✅ Asset-Based Options Available
Some programs allow you to qualify based on liquid assets or investment holdings instead of traditional income.
✅ Global Buyers Welcome
Available to citizens from most countries with valid passports and visa/travel status.
Foreign National Loans are specifically designed for non-U.S. residents who want to buy or refinance U.S. properties. These loans are typically held by private or portfolio lenders who offer flexibility with documentation, down payments, and loan structure.
Borrowers can expect:
Higher down payment requirements (25%–35%)
Manual underwriting using alternative documentation
Loan terms that accommodate global clients and real estate investors
Whether you’re looking to invest, diversify, or secure a vacation home in the U.S., this loan gives you access without the barriers of traditional U.S. lending standards.
WHO QUALIFIES?
You may qualify for a Foreign National Loan if:
You are a non-U.S. citizen and non-resident
You have a valid passport and visa or travel permit
You can provide foreign bank statements, CPA letters, or asset proof
You can make a 25%+ down payment
You are purchasing a second home or investment property (not for primary residence)
NEXA Mortgage - NMLS# 1660690
3100 W Ray Rd STE 201 Office # 209, Chandler AZ 85226
https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1660690
NEXA Mortgage LLC is an Equal Housing Lender
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Notice To Texas Loan Applicants: Consumers wishing to file a complaint against a mortgage banker, or a licensed mortgage banker residential mortgage loan originator, should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov https://bit.ly/3B5pAfz.
A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov