Loan Programs — International

Foreign National Loans

US real estate is a global asset class. Foreign national programs make it accessible — structured documentation, no US credit required, and lenders who understand the transaction.

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US Credit Required

ITIN

Accepted

Investors

Primary Focus

Who It’s For

Is this your loan?

Every program is built for a specific borrower. Here’s where this one tends to be the right call.

The International Investor

You don’t live in the US but want exposure to US real estate — rental income, appreciation, portfolio diversification. Foreign national programs are designed for this exact buyer.

The Visa Holder Buying Investment Property

You’re in the US on a work, student, or other non-immigrant visa and want to purchase an investment property. Non-permanent resident programs often apply, with different documentation requirements than full foreign national.

The Expat Returning Buyer

US citizen or green card holder living abroad with limited or no recent US credit history. Foreign assets, foreign income, and foreign credit references can be used to qualify.

The Process

From quote to keys

One point of contact, start to finish. Here’s what working with Manor looks like.

Documentation Review

Foreign national loans require a specific documentation package — passport, visa status, proof of foreign income, foreign bank references, and ITIN or equivalent. Your loan officer outlines exactly what’s needed upfront.

Lender Identification

Not all lenders do foreign national loans — and those that do have meaningfully different requirements. We match your citizenship status, property type, and documentation to the lender with the best fit.

Application & Underwriting

Manual underwriting with foreign income documentation. Appraisal, title, and legal review may take longer on foreign national transactions. We set realistic timelines from day one.

Close & Fund

Closing can be done remotely in many cases — via power of attorney or notarized documents from your country. Your loan officer coordinates the logistics so there are no last-minute surprises.

Common Questions

Straight answers

No. Most foreign national programs accept an ITIN (Individual Taxpayer Identification Number) or can proceed with passport and visa documentation alone. Some lenders have no US tax ID requirement at all. Your loan officer will identify which approach works for your situation.

Yes. Foreign income documented through employer letters, foreign tax returns, or foreign bank statements is accepted on most programs. The income is typically converted to USD using current exchange rates. Lenders vary on which foreign income sources they accept — your loan officer will match your income type to the right lender.

Most foreign national programs are structured for investment properties — lenders are more comfortable with rental income as a repayment source when the borrower lives abroad. Some programs allow foreign nationals to purchase US second homes. Primary residence purchase by a non-resident is generally not available.

Typically 30–40% for foreign national programs. Higher down payments give lenders comfort when US credit history is absent. Some programs go as low as 25% with strong compensating factors. Your loan officer will tell you the range for your specific scenario.

Remote closing is common for foreign national transactions. Options include power of attorney (someone in the US signs on your behalf), notarized signing packages through a foreign notary, or traveling to the US for closing. Your loan officer and the title company will coordinate whichever method works for your situation.

Get a Quote

US real estate is accessible

Tell your loan officer your citizenship status, target property type, and available down payment. They’ll identify the right program and documentation path within one business day.

ITIN and passport-only programs available
Foreign income documentation accepted
Investment and second home programs
Your loan officer responds personally

Tell us about your scenario

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Got it — your loan officer will be in touch.