Flexible financing for non-U.S. citizens investing in U.S. real estate
A flexible mortgage solution designed to help eligible foreign national borrowers finance U.S. property opportunities with investor-friendly options and streamlined documentation.
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.
Designed for eligible foreign national borrowers purchasing or refinancing U.S. real estate.
Purchase financing may be available up to 75% LTV for qualified borrowers.
Refinance options may be available depending on the borrower profile, property type, and program structure.
DSCR and no-ratio options may be available for eligible investment property scenarios.
May be available for borrowers without U.S. income or traditional U.S. employment verification.
Eligible property options may include rental properties, condos, condotels, and short-term rental scenarios depending on qualification.
Helps international borrowers access U.S. property financing with a program built around their unique documentation needs.
Can provide a practical path for borrowers who do not have traditional U.S. income documentation.
Investor-focused options may allow qualification based on the property’s rental income potential.
A strong option for clients looking to purchase U.S. investment property or expand an international real estate portfolio.
Gives realtors another financing solution for international buyers interested in U.S. real estate.
Offers flexibility for eligible borrowers who may not fit standard conventional lending guidelines.
Foreign national borrowers interested in purchasing U.S. real estate.
International investors looking for financing options on income-producing properties.
Borrowers who may not have traditional U.S. income, employment, or tax documentation.
Clients seeking investor-friendly financing based on rental income or property cash flow.
Borrowers purchasing condos, condotels, or short-term rental properties when eligible.
Realtors working with international buyers who need a clear mortgage path for U.S. property purchases.
Preview the loan program sheet and download the full Foreign National Program details instantly.
Access the co-branded version to share this Foreign National Program with your clients and referral partners.
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Connect To A Loan OfficerEvery program below has its own page with highlights, who it fits and how to get started. Not sure which one fits? Talk to a TAG loan officer and we will match the scenario for you.
For international buyers, and the agents and brokers who work with them.
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.
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.
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.
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.
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.
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.