Foreign National Mortgage Lenders: 27 Banks, Lenders, and Brokers With Foreign National Mortgage Programs
David Garner
David GarnerForeign National Mortgage Lenders in the USA in 2025: Complete List of Banks, Private Lenders, and Brokers
I’ve purchased over 120 rental properties in the U.S. as a Non-Resident Foreigner, and I’ve used mortgages to purchase and or refinance all of them. Finding foreign national mortgage lenders in the USA is not difficult. But finding a lender that offers great terms, and has a smooth application, approval, underwriting, and closing process? That’s more of a challenge!
I created this list of foreign national mortgage lenders, brokers, and platforms to help other non-US residents find the the best foreign national mortgage lender in 2025! You’ll find all best lenders, and their current advertised terms for non-resident foreign nationals. I hope you find this useful.
Table of Contents
Key Takeaways
- Lender Choice: There are US banks, International Banks, and Private Lenders offering loans for foreign nationals.
- Loan Choice: Conventional mortgages and DSCR loans offer choice and flexibility for foreign borrowers.
- Terms Choice: There are both fixed rate and adjustable rate mortgages (ARMs) for foreign nationals.
- Flexibility: Some lenders require proof of income, assets and credit, others use rental property income to approve the loan.
- Broker is Best: With over 25,000 mortgage lenders in the US, it’s best to work with a broker who has access to a range of lenders.
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Understanding Foreign National Mortgages
I’ve been buying U.S. real estate as a foreigner for ten years. In that time, the range of foreign national mortgage lenders and loan programs has improved dramatically. Back then, it was difficult to find lenders that really understood the challenges we face investing from overseas.
Nowadays, there are lots of foreign national mortgage lenders to choose from, but the terms, rates, and process vary a lot. That’s why I’ve found so much value in working with a specialist mortgage broker who has access to the whole of the market and understands international real estate investing.
Before we get into my list of the best foreign national lenders in 2025, let’s quickly review the types of foreign national mortgage programs available right now in 2025.
Types of Loans For Foreign Nationals and Non-Residents
The type of foreign national mortgage product you use will depend on the type of property you’re buying in the US. That might be a rental property (like mine), a vacation home, or maybe even a fixer-upper.
For vacation homes and second homes, you should work with a lender that offers a conventional mortgage (full documentation) foreign national mortgage program. If you’re buying income-producing rental properties (like me), then a DSCR loan might be more appropriate.
Once you’ve decided on the type of loan product that best suits your needs, you’ll then have to put some thought into the loan structure. Currently, there are foreign national mortgage lenders offering fixed rate loans, adjustable rate mortgages (ARMs), and interest only DSCR loans.
If you want to learn more about current interest rates, you can read my guide on Foreign National Mortgage Rates. In the meantime, here’s a quick comparison table. You can also check out my foreign national documentation checklist, and pre-approval checklist for DSCR loans.
| Loan Type | Rate Type | Typical LTV | Min. Loan Size | Rate Range | Ideal Use Case |
|---|---|---|---|---|---|
| Conventional | Fixed Rate | 70%–75% | $100,000–$150,000 | 6.75%–7.75% | Foreign national with strong, documentable income and credit history, seeking long-term payment stability. |
| Conventional | Adjustable Rate (ARM) | 70%–75% | $100,000–$150,000 | 6.5%–7.5% | Borrower expecting to sell or refinance within 5–7 years, or seeking a lower initial payment. |
| DSCR | Fixed Rate | 70%–75% | $75,000–$100,000 | 7%–8% | Investor qualifying primarily on property cash flow; ideal for buy-and-hold in LLCs with predictable income streams. |
| DSCR | Adjustable Rate (ARM) | 70%–75% | $75,000–$100,000 | 7%–7.75% | Investor seeking lower initial payments with flexibility to refinance or sell before rate resets. |
| DSCR | Interest-Only | 70%–75% | $75,000–$100,000 | 7.25%–8.25% | Rental property investor aiming to maximize monthly cash flow, accepting higher future payments once amortization begins. |
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Best Foreign National Mortgage Lenders in 2025
Here’s my list of the best foreign national mortgage lenders in the USA in 2025. I’ve broken this down by lender type, and including as much information on the programs they offer as is publicly available. Remember, most foreign national mortgage lenders don’t advertise their best terms and interest rates online, so work with a broker that can access the whole of the market for you!
US Banks Offering Foreign National Loan Programs
| Bank Name | Coverage Area (States) | DSCR Loans | Conventional Mortgage | Max LTV | Min Loan Size | LLC Allowed | More Info |
|---|---|---|---|---|---|---|---|
| Amerant Bank | FL, TX, GA, NY | ✅ | ✅ | Varies by program | Varies by program | ❌ | View |
| Capital Home Mortgage | AZ | ✅ | ✅ | Varies by program | Varies by program | ✅ | View |
| Cathay Bank | Select states | ❌ | ✅ | Varies by program | Varies by program | ❌ | View |
| East West Bank | CA, GA, MA, NV, NY, WA | ❌ | ✅ | Varies by program | Varies by program | ✅ | View |
| First Bank | NC, SC, GA, VA | ❌ | ✅ | Varies by program | Varies by program | ❌ | View |
| Liberty Bank | CT, MA | ❌ | ✅ | Varies by program | Varies by program | ❌ | View |
| New Omni Bank | CA | ✅ | ✅ | 70% | Varies by program | ✅ | View |
| SouthTrust Bank | AL, FL, GA, SC, TN | ❌ | ✅ | Varies by program | Varies by program | ❌ | View |
| Valley Bank | NJ, NY, FL, AL, MA | ✅ | ✅ | Varies by program | Varies by program | ❌ | View |
| IBC Bank | TX, OK | ❌ | ✅ | 80% | Varies by program | ❌ | View |
| First American Bank | IL, WI, FL | ❌ | ✅ | 65% | Varies by program | ❌ | View |
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Private Lenders Offering Foreign National Mortgage Programs
| Lender Name | Coverage Area (States) | DSCR Loans | Conventional | Max LTV | Min Loan Size | LLC Allowed | More Info |
|---|---|---|---|---|---|---|---|
| A&D Mortgage | Multi-state (licensing varies) | ✅ | ❌ | Up to ~75% (program-dependent) | $150k+ (varies) | ✅ | View |
| Acra Lending | Multi-state (licensing varies) | ✅ | ❌ | ~70% purchase (varies) | $100k+ (varies) | ✅ | View |
| Angel Oak Mortgage Solutions | Multi-state | ✅ | ❌ | Up to ~70% | Varies | ✅ | View |
| CoreVest | Nationwide (business-purpose) | ✅ | ❌ | Varies | Varies | ✅ | View |
| Gelt Financial | Multi-state | ✅ | ❌ | Commonly ~65% | $50k–$2M | ✅ | View |
| Griffin Funding | Multi-state | ✅ | ✅ | Varies | $100k+ (varies) | ✅ | View |
| HomeXpress Mortgage (Retail) | Multi-state | ✅ | ❌ | Up to ~75% | Varies | ✅ | View |
| Lendai | Nationwide (investor focus) | ✅ | ❌ | ~70% | Varies | ✅ | View |
| LendSure Home Loans | Nationwide | ✅ | ❌ | Up to ~85% (DSCR) / ~75% (FN purchase) | Varies | ✅ | View |
| Park Place Finance | ~42 states | ✅ | ❌ | Up to ~80% (purchase) | $100k–$3M | Varies | View |
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Platforms and Brokers
| Platform / Broker Name | Coverage Area (States) | DSCR Loans | Conventional Mortgage | Max LTV | Min Loan Size | LLC Allowed | More Info |
|---|---|---|---|---|---|---|---|
| America Mortgages | Nationwide (serves overseas borrowers) | ✅ | ✅ | Up to 75% | $150k+ (varies) | ✅ | View |
| GetWaltz | Nationwide | ✅ | ✅ | Up to 80% | $100k+ (varies) | ✅ | View |
| HomeAbroad | Nationwide | ✅ | ✅ | Up to 75% | $75k+ (varies) | ✅ | View |
| Lendai | Nationwide | ✅ | ❌ | Varies by program | Varies by program | ✅ | View |
| LendCity | Nationwide (Canada-based) | ✅ | ✅ | Up to 75% | $100k+ (varies) | ✅ | View |
| MortgageDepot | Nationwide | ✅ | ✅ | Up to 75% | $75k+ (varies) | ✅ | View |
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Final Thoughts: What Worked For Me
First, I hope you found my list of foreign national mortgage lenders useful. If this list was available when I first started buying investment properties in the US, it would have saved me a lot of time and hassle! Obviously, there are a lot of foreign national mortgage lenders to choose from. They all work differently, and have different products, underwriting criteria, and terms.
The best piece of advice I can give you is to work with a mortgage broker who has access to the entire market of lenders. That’s what’s worked best for me, and has helped me to get the best possible deals when I’ve purchased rental properties in the US, or refinanced one of my existing properties.
If you’re a rental property investor like me, you can join my VIP Priority Investor List, and I’ll send you the best financing offers from the DSCR lenders I use to fund my own investment properties. I’ll also send you details of off-market investment properties that have been pre-approved for funding by my own foreign national mortgage lenders!
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“Having personally invested in over 120 US rental properties from overseas, I know the true value of getting the right advice and support.
David Garner – Cashflow Rentals
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FAQs About Foreign National Mortgage Lenders
Here are common questions international investors ask about picking the best U.S. mortgage lenders for foreign national loans.
Q: Why do international investors need special mortgage lenders in the U.S.?
A: International investors often need special lenders. This is because normal U.S. banks usually don’t have loan plans for people who don’t live in the U.S. This is true especially if you don’t have a U.S. credit history, SSN, or U.S. income. Special lenders have loans and rules made just for foreign nationals.
Q: What are the most important things to look for when picking a foreign national mortgage lender?
A: Key things to look for include: the lender’s experience with foreign nationals, the types of loans they offer (like DSCR, ITIN), how flexible their rules are (like taking international credit), clear communication, good rates and terms, and a strong name based on reviews.
Q: Do these special lenders need a U.S. credit score?
A: It depends on the lender and loan type. Some lenders may take international credit reports or other ways to check your credit. DSCR loans, especially, don’t usually need a U.S. personal credit score. They mainly check the property’s rental income.
Q: What is a DSCR loan, and why do international investors like it?
A: A DSCR (Debt Service Coverage Ratio) loan is for rental properties. To get it, the property’s expected rent must be enough to cover its loan payments. International investors like it because it often means they don’t need to show personal foreign income or U.S. credit.
Q: Are ITIN loans for non-residents? What do they usually need?
A: Yes, ITIN loans are for non-U.S. citizens who have an Individual Taxpayer Identification Number (ITIN). They typically need proof of U.S. income. They might also look at your U.S. credit history or other credit proofs.
Q: What kinds of papers should international investors get ready for these loans?
A: Get ready with your valid passport, U.S. visa (if you have one), proof of foreign income and job (often translated), bank statements (foreign and U.S.), international credit reports or references, and the signed paper to buy the property.
Q: Should I compare offers from many foreign national lenders?
A: Yes, definitely. It’s very important to compare loan offers (like rates, fees, and terms) from several special foreign national lenders. This helps you get the best and most suitable loan for your U.S. property investment goals.
