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.
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.
Purchasing U.S. investment property from abroad? Foreign national loans provide access to U.S. real estate without citizenship requirements.
Want a U.S. vacation property in the Pacific Northwest? Foreign national financing makes it possible without U.S. residency.
Living and working in the U.S. on a visa but without permanent residency? Foreign national programs may be the right fit.
U.S. citizens living abroad who want to invest in domestic real estate can also use these flexible programs.
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.