What are Foreign National Home Loans?

Loan Types
Nontraditional Mortgages
The good news for foreign nationals looking to purchase real estate in the United States is that there’s an alternative to a U.S. mortgage—foreign national home loans.
Published on
July 27, 2023
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The American Dream is the idea that anyone can make it in America. It’s why so many people have moved here from other countries and built a life for themselves. Unfortunately, this dream can be difficult to achieve if you don’t have access to traditional mortgage options. That’s because most lenders will only lend money to U.S. citizens or permanent residents—and those who aren't U.S. citizens may not qualify for other loans either because they don't meet minimum credit score requirements or lack sufficient income sources (such as employment). Fortunately, there are alternatives available that enable foreign nationals to purchase homes in the United States!

Alternative Mortgage Options

Foreign National home loans are an alternative to traditional mortgage options. Foreign National non-qm loans are not available in all states.

Foreign national home loans has everything to do with what the applicant is willing and able to pay, as well as how long they plan on staying in America after getting their loan approved.

Foreign National home loans are an alternative to traditional mortgage options.

Foreign National Home Loans are an alternative to traditional mortgage options. A foreign national is a non-U.S. citizen who is living outside of the United States, but who wants to buy property within the United States. Foreign nationals have unique needs when it comes to buying real estate and financing their purchase with a loan. One major difference between Foreign National Home Loans and traditional mortgages is that they are not subject to the same regulations as U.S.-based borrowers, which makes them much more flexible for those looking abroad for homes as well as those purchasing from abroad into the USA markets too!

If you're reading this article, you likely already know what a standard mortgage looks like through your own experience or our blog article about different types of mortgage options available today - so let's talk about how this type differs from them all together:

Benefits of Foreign National Home Loans
  • You can buy a home in the U.S. You can obtain a mortgage loan for your home.
  • You can obtain a mortgage loan for your home.
  • You can get a low interest rate on your mortgage loan.
  • You will receive the same discounted interest rate as US citizens, which is often lower than what you would receive at home in your country of origin.

Background on Foreign National Home Loans

Home loans for foreign nationals are a type of mortgage loan that is available to non-U.S. citizens. At this time, foreign national home loans are not regulated by the U.S. government and may not be eligible for government backed insurance or refinancing if you lose your job or become unemployed. Foreign national home loans also carry higher interest rates than US citizen mortgages, so it's important to compare your options with a qualified lender before deciding which one is right for you!

Non-U.S. citizens can obtain a mortgage loan through certain lenders, provided they meet certain requirements, including having enough money and a reliable source of income for repayment of the loan.

For those seeking to purchase a home in the United States, the process can be daunting. But if you're a foreign national interested in obtaining financing for your home and have sufficient cash on hand, or if you are able to prove that you have enough income and assets for repayment of the loan, it is possible.

Most lenders will require non-U.S. citizens to submit paperwork proving their eligibility for applying for a mortgage loan through them as well as documentation demonstrating that they meet all other requirements (such as having sufficient funds). These loans may not be subject to same rules as conventional mortgages or even Qualified Mortgage (QM) loans due to recent changes in legislation and regulation regarding residential real estate lending.

Not all banks will offer loans to foreign nationals, We are a Non-QM lender that can help you.

Many banks are restricted by their charter and regulations from lending money to foreign nationals. The result is that these borrowers are unable to obtain financing at any bank in the United States. In order to make this type of loan viable and profitable for a bank, it must be qualified mortgage (QM) product. We offer a variety of Non-QM products.


Although many banks may not be willing to help foreign nationals get loans, there are lenders who will work with non-U.S. citizens. These lenders are known as "non-qualifying mortgage" (NQM or Non-QM) lenders, since they do have access to other products besides government programs that help them screen borrowers and ensure their ability pay back the loan. At Amres, we can help you get a foreign national home loan.

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