Mortgage options for non-U.S. citizens, foreign nationals, ITIN borrowers, and international investors buying U.S. real estate — without standard U.S. credit history, SSN, or income documentation.
No U.S. Credit RequiredNo SSN NeededITIN Borrowers WelcomeInvestment & Primary
Financing U.S. Real Estate Without a U.S. Credit Profile
Many international buyers, foreign nationals, and ITIN borrowers assume they cannot get a U.S. mortgage without a Social Security number or U.S. credit history. In many cases, there are programs specifically designed for these scenarios through Non-QM wholesale lenders.
Requirements and program availability vary significantly by lender, borrower profile, nationality, property type, down payment, and documentation. MortgageToday works with lenders who specialize in these scenarios and can help identify which options may apply to your situation.
Programs for buyers without a U.S. SSN
ITIN borrowers may have additional program options
International credit and asset documentation considered
Investment property and primary residence scenarios
Down payment and reserve requirements vary by program
Subject to lender guidelines, nationality, and documentation
Common Questions
Not necessarily. Many foreign national programs are designed for buyers without a U.S. SSN. ITIN programs may also be available for certain borrowers. Requirements vary by lender and program.
Possibly. Many foreign national programs are specifically structured for investment properties. Primary residence options may also exist depending on your visa, residency status, and lender guidelines.
Documentation requirements vary by lender and program. Common items may include passport, visa documentation, international bank statements, asset verification, and proof of income in your home country. A scenario review is the best way to understand what applies to your specific situation.
Foreign National Overview
Requirements vary significantly by lender and scenario
Not a commitment to lend. Subject to credit, income, property, and program guidelines.
Questions about financing U.S. real estate as a global buyer?
Start with a scenario review. Foreign national and ITIN scenarios vary widely by lender, and a review is the most efficient way to identify what options may be available for your situation.