FOREIGN NATIONAL PROGRAM

Flexible financing for non-U.S. citizens investing in U.S. real estate

Loan Programs

Foreign National Program

A flexible mortgage solution designed to help eligible foreign national borrowers finance U.S. property opportunities with investor-friendly options and streamlined documentation.

Program Overview

The Foreign National Program is designed for eligible international borrowers who want to purchase or refinance U.S. real estate. This program can help qualified borrowers access financing using flexible documentation and investor-friendly structures, including options that may evaluate the property’s rental income and overall cash flow.

Program Features

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Designed for eligible foreign national borrowers purchasing or refinancing U.S. real estate.

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Purchase financing may be available up to 75% LTV for qualified borrowers.

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Refinance options may be available depending on the borrower profile, property type, and program structure.

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DSCR and no-ratio options may be available for eligible investment property scenarios.

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May be available for borrowers without U.S. income or traditional U.S. employment verification.

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Eligible property options may include rental properties, condos, condotels, and short-term rental scenarios depending on qualification.

Why Choose This Program?

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Helps international borrowers access U.S. property financing with a program built around their unique documentation needs.

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Can provide a practical path for borrowers who do not have traditional U.S. income documentation.

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Investor-focused options may allow qualification based on the property’s rental income potential.

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A strong option for clients looking to purchase U.S. investment property or expand an international real estate portfolio.

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Gives realtors another financing solution for international buyers interested in U.S. real estate.

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Offers flexibility for eligible borrowers who may not fit standard conventional lending guidelines.

Who This Program Is Great For?

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Foreign national borrowers interested in purchasing U.S. real estate.

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International investors looking for financing options on income-producing properties.

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Borrowers who may not have traditional U.S. income, employment, or tax documentation.

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Clients seeking investor-friendly financing based on rental income or property cash flow.

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Borrowers purchasing condos, condotels, or short-term rental properties when eligible.

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Realtors working with international buyers who need a clear mortgage path for U.S. property purchases.

Download Loan Program

Preview the loan program sheet and download the full Foreign National Program details instantly.

Co-Brand Loan Program

Access the co-branded version to share this Foreign National Program with your clients and referral partners.

Need Help Structuring a Foreign National Loan?

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Foreign National FAQ

Foreign national mortgage questions, answered

For international buyers, and the agents and brokers who work with them.

Can a foreign national get a mortgage in Florida?

Yes. Foreign national programs let buyers who live outside the U.S. finance U.S. property, typically a second home or investment property, subject to program guidelines.

Do I need a U.S. credit score or Social Security number?

Generally, no. Many foreign national programs don't require U.S. credit history or a Social Security number and can use international credit references or alternative credit instead. Requirements vary by program.

What documents are typically required?

Usually a valid passport and visa where applicable, proof of income or assets, bank statements, international credit references, and proof of funds for the down payment, closing costs and reserves. Exact requirements vary by program and investor.

Can a foreign national buy a Miami condo or close in an LLC?

Many foreign national and DSCR programs allow condo purchases and LLC closings, subject to building review and guidelines. Check the building on our Approved Condo List and see Miami Jumbo Condo & LLC Loans. We're not CPAs or attorneys, so talk with your tax or legal advisor about how to hold title.

How are foreign national loans different from standard mortgages?

They typically require a larger down payment and more cash reserves than domestic loans, and they rely on alternative documentation. Requirements vary by program, property type and investor.

Can mortgage brokers place foreign national loans with TAG Lending Group?

Yes. Licensed brokers can submit foreign national files through TAG's wholesale channel in the states where TAG is licensed as a lender. See our licensed states.

General information only, not a commitment to lend. All loans are subject to credit approval, underwriting, property eligibility and program guidelines. Programs and availability may change without notice. TAG Lending Group, LLC · NMLS #2329372 · Equal Housing Opportunity.