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.
Foreign nationals can invest in one of the world's most stable real estate markets without U.S. citizenship.
U.S. real estate provides geographic diversification and a stable store of value in USD.
Finance a U.S. vacation property or second home without establishing U.S. residency.
Build a U.S. rental portfolio using DSCR-style qualification based on property income.
Structure U.S. property ownership through an LLC for liability protection and tax efficiency.
Q Home Loans has experience working with international buyers and their unique documentation needs.
Get answers to common questions about foreign national loans.
Yes. Foreign national loans are specifically designed for non-U.S. citizens who want to purchase U.S. real estate. Requirements differ from standard loans but financing is available.
No. Foreign national loan programs accept international credit references, bank statements, and other documentation in lieu of a U.S. credit score.
Most programs require 25%–35% down payment, which is higher than domestic loan programs due to the additional risk factors.
Yes. Foreign nationals can vest U.S. property in a domestic LLC or other entity, which is often recommended for liability and tax purposes.
Most foreign national programs are for investment properties and vacation homes. Primary residence financing for non-residents is more limited.
Q Home Loans specializes in foreign national loans for homebuyers in Washington, Idaho, and the Pacific Northwest.