Financing and funding
March 29, 2024

Can Foreign Nationals Get U.S. Mortgages? Your Top Questions Answered

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Have you ever envisioned owning a piece of U.S. real estate and wonder "can a foreigner buy a house in USA?" The dream of owning property in the U.S. attracts many, and foreign nationals are no exception. Whether you're seeking a long-term holding, a potential source of income, or a strategic investment, owning property in the U.S. can be a fantastic goal.

But navigating the process of buying property in a new country can feel overwhelming. You likely have many questions about the process, like “Can I even get a mortgage?" and "What type of program is right for me?”

This blog is your launchpad for exploring the exciting possibilities of buying U.S. property as a foreign national. We’ll address your frequently asked questions and provide an overview of different mortgage programs for international buyers like you. Consider this blog your first step on the path to U.S. property ownership – a rewarding journey made simpler with the right information.

6 Common Questions about Mortgages for Non-U.S. Citizens

Let's take a look at some of the most common questions foreign nationals have about buying a property in the U.S.:

Can a foreign national get a mortgage in the U.S.? 

Absolutely! Owning a piece of the American dream is achievable for foreign nationals. While the process may involve additional steps compared to traditional mortgages for U.S. citizens, there are a few foreign national loan programs designed to meet your needs.

Do U.S. banks give loans to foreigners?

Short answer: it depends. While some traditional U.S. banks may not offer these programs, there are specialized mortgage lenders who cater specifically to international real estate investors. These lenders understand the special situations and paperwork needed for foreign national mortgages.

Who lends to foreign nationals? 

Mortgage lenders who specialize in helping international buyers can guide you through the U.S. mortgage process for foreigners. They can help you understand program options, eligibility requirements, and the specific documents you need to secure your financing. Choose lenders with experience helping foreign nationals buy properties. Look for companies known for clear communication and a hassle-free process.

Do U.S. banks offer mortgages on foreign property? 

No, U.S. mortgages are solely for financing properties located within the United States. These loans cannot be used to purchase property overseas.

What are the requirements for a foreign national mortgage? 

The specific requirements will vary depending on your unique situation and the program you choose. However, some general requirements include:

  • Verifiable income and employment: Lenders want to see proof that you can repay the mortgage. You’ll need documentation that proves income and employment, like pay stubs, tax returns, and/or employment contracts.
  • Valid visa status (for non-permanent residents): Visa requirements vary depending on the bank you use and the type of mortgage you’re pursuing. Some visas may require you to be in the U.S. for a certain amount of time or have a visa valid for longer than the loan term. For example, an H-1B visa holder might need to work in the U.S. for at least a year to qualify for a mortgage.
  • Down payment: You may be asked to provide an initial up-front payment for the mortgage. The amount can vary depending on the program and your creditworthiness.
  • Documentation: Depending on the program, you may need to provide passports, bank statements, and other documents.

Can a foreigner buy a house in the USA? 

Yes, non-U.S. citizens can own property in the United States with a foreign national mortgage program. This opens doors to establishing roots in the U.S., building equity, and enjoying investment opportunities.

Understanding the Financing Options for Non-U.S. Citizens

While buying a piece of American real estate may seem intimidating, it’s a goal within reach for many foreign nationals. U.S. mortgage lenders help move the process along by offering a variety of programs that cater to your unique financial situation and immigration status.

Here's an overview of the most common foreign national mortgage options available based on your residency status: 

Permanent resident

Permanent resident mortgages provide competitive interest rates and streamlined processing. These programs are ideal for established individuals with a green card and recognize your long-term commitment to living in the United States.

Non-permanent resident

This option offers flexibility for foreign nationals holding temporary visas or investment visas. If you're working in the United States or want to invest in real estate without permanently moving to the U.S., non-permanent resident alien mortgages make it easy for you to purchase an investment property.


ITINs are a great option for foreign nationals without a traditional U.S. credit score. ITIN loans unlock property ownership opportunities by leveraging your Individual Taxpayer Identification Number (ITIN) and tax return history.

Own Your Piece of the American Dream with Waltz 

Selecting the most suitable foreign national mortgage program requires careful consideration. For a smooth experience, it's important to find a mortgage expert who is familiar with loans for foreigners investing in the U.S. and can guide you through program specifics, eligibility requirements, and the documentation you’ll need for a straightforward application process. With Waltz, you don't have to be a resident, you don't need a visa, and you don't need to visit any embassy.

Waltz can be your trusted partner in achieving your American dream. Waltz isn't just another mortgage lender; we're here to make the U.S. mortgage process for foreigners seamless. We understand your unique challenges and we’ve built a solution that simplifies your journey.

Let Waltz transform the long and often complex world of foreign national mortgages into a smooth and stress-free experience. Reach out to us to learn more about how Waltz helps foreign nationals like you achieve their property goals.

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