Foreign National loans are specialty mortgage programs that allow non-U.S. citizens to purchase property in the United States without a Social Security number, green card, or traditional U.S. credit history. These programs accommodate unique qualifying needs for international buyers purchasing in Washington, Idaho, and other states where Q Home Loans is licensed. Contact us to discuss documentation requirements and available options.
Purchase U.S. property without a Social Security number. Alternative identification and documentation methods are accepted.
You don't need permanent residency status to qualify. Foreign National programs are designed for non-resident buyers.
Don't have a U.S. credit profile? Foreign National programs use alternative methods to evaluate creditworthiness.
Finance primary residences, second homes, or investment properties depending on the program. Contact us for current options.
Q Home Loans is licensed in Washington, Idaho, Oregon, Montana, Arizona, and Nevada — covering the property markets international buyers target.
Buying property in a foreign country is complex. Our team walks you through every step of the U.S. mortgage process.
Foreign national loans are designed specifically for non-US citizens who want to purchase property in the United States. The qualification process differs from traditional mortgages because it accommodates borrowers without US credit history or Social Security numbers. Instead, lenders evaluate your international financial profile, including foreign bank statements, employment verification from your home country, and international credit reports when available. The process typically involves providing your passport, visa documentation (if applicable), proof of funds for the down payment and reserves, and income verification from your employer or business. Because these loans carry additional risk for lenders, they typically require larger down payments (25-30%) and may have slightly higher interest rates than conventional loans.
Foreign nationals looking to invest in US real estate for rental income or appreciation.
International buyers seeking a vacation property or second home in the United States.
Foreign executives or business owners who work in the US or have US business interests.
Families planning to relocate to the US who want to purchase property before establishing credit.
Get answers to common questions about foreign national loans.
Explore other financing options that may fit your situation.
Q Home Loans specializes in foreign national loans for homebuyers and investors in Washington. Get expert guidance and competitive rates.