Mortgage for foreign nationals

Waltz simplifies securing mortgages for non-U.S. investors in the U.S. real estate market.

If you are a foreign national looking to buy U.S. real estate, doing so may seem difficult. Fortunately, foreign national mortgages can make it easier for non-citizens to invest in U.S. real estate. Regardless of your citizenship status, you too may achieve the American dream of owning property in the U.S. by securing a mortgage for your property!

What are foreign national mortgages? Eligibility and benefits explained

A Foreign National Mortgage is a loan given to individuals who are not citizens of the country where the property is located, including those without a Social Security number, such as non-residents of the United States. These specialized loans, also known as foreign national loans and ITIN (Individual Taxpayer Identification Number) mortgage loans, are offered by banks and mortgage companies in the property's country. These loans often feature special conditions to accommodate non-resident borrowers. These loan programs allow non-citizens to purchase real estate in the United States, making them an excellent option for those looking to invest in American real estate or purchase a residential investment property while residing in another country.

Our tailored solution: mortgages for foreign nationals

We’ve built Waltz to address the need for a seamless digital solution for foreign national mortgage loans1. With Waltz, individuals from abroad can now easily start their investment journey in U.S. real estate.

Recognizing the complexities involved in foreign investments, Waltz simplifies the process for international clients. Our platform is designed to address common challenges faced by non-citizens venturing into real estate investment, including language and geographic barriers, requirements to live or work in the U.S., unfamiliarity with U.S. mortgage regulations, and difficulties in communicating with lenders across different time zones.

Why should non-U.S. citizens invest with Waltz?

Global investors

We help non-residents who have a strong financial record in their home country invest in U.S. real estate.

Mortgage for foreigners

Our mortgages are designed for foreign nationals investing in rental properties across the U.S.

Up to 70% LTV

When you work with us, you’ll benefit from competitive financing with up to 70% loan-to-value.1

Flexible terms

Select from a variety of loan options tailored to suit your unique investment strategy.

Diverse property types

Whether it's single-family homes or condos, we finance a wide range of property assets.

Comprehensive support

Our experts ensure a seamless mortgage process, guiding you every step for a hassle-free experience.

Fast, digital mortgages for foreigners

Discover how Waltz simplifies buying property in America as a foreigner

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Quick & all-Digital

Say goodbye to paperwork and long waits. Our digital platform enables you to complete the entire mortgage process online.
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Quick Turnaround Time

Waltz hands you the funding you can’t get on your own,
so you can buy in the US even
if your credit history doesn’t travel with you.
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Designed Specifically for Non-U.S. Investors

We Waltz you through the legal, corporate, and financial matters ourselves. No need to become an expert overnight - you already have us.
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Expert Team Support:

With a streamlined purchasing process, it will be as effortless as tracking a package. No more unexpected paperwork or last-minute appointments.
A lightning bolt icon inside a circle with an arrow, representing a quick and digitized process

Fully digital process

Say goodbye to paperwork and long waits. Our digital platform enables you to complete the entire mortgage process online.
Icon of a house with a magnifying glass to showcase underwriting

Quick Turnaround Time

With turnaround times as short as 14 days1, you can accelerate your real estate investment journey.
Icon of globe to represent foreign, non-American,  investors

Designed specifically for non-U.S. investors

We understand international investors’  unique challenges. We’ve built our mortgage solutions to directly address your needs.
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Expert team support

Our team of experts is here to guide you through every step of the mortgage process, ensuring a smooth and hassle-free experience.

Steps for real estate investment
for non-citizens

Quickly navigate property investment as an international buyer


Apply online

Begin the process by filling out a simple online application form. We will pair you with a dedicated Waltz Account Manager who will guide you through the entire process. You will then quickly obtain a pre-approval letter from Waltz. This letter shows sellers that you are able to obtain financing to purchase a property.


Purchase your Waltz Investor Kit

We’ve made Real estate investment for non-citizens easier by providing everything you need in one digital step. Within 20 minutes, you will receive your Investor Kit, which includes an LLC, EIN, an operating agreement, and a registered agent.

*Waltz is a Financial Technology (FinTech) Company, and not a bank. Banking services are provided by Regent Bank, Member FDIC.


Provide your documentation

We only ask for the necessary documents, such as identification and financial records from your home country. We provide a secure documentation submission process that eliminates the need for complicated paperwork, translations, or faxes.


Gain access to the Waltz banking platform2

Waltz was created for non-U.S. investors, and designed to offer convenience and security for managing your financial transactions related to U.S. property investment:

  • With FDIC insurance up to $250,0002, enjoy peace of mind knowing your funds are protected while seamlessly handling mortgage payments, property-related expenses, and more, all from the comfort of your home.
  • Easily exchange currency and transfer funds internationally with our streamlined process, ensuring smooth transactions with competitive exchange rates.3

Secure your mortgage

With financing options offering up to 70% loan-to-value ratio1, Waltz Mortgage helps you secure your mortgage quickly and efficiently.


Become a property owner

Congrats! Now that the property is yours, get ready to start generating rental income from your investment property.

Frequently asked questions

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

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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 loan programs designed to meet your needs. Waltz was built to help people like you get a mortgage, hassle-free.

Do U.S. banks give loans to foreigners?

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Short answer: it depends. Some traditional U.S. banks do not, while others give loans with additional requirements like Visa, U.S. income, and more. You should look for a lender who caters specifically to international real estate investors.

Who lends to foreign nationals?

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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 and look for companies known for clear communication and a hassle-free process.

Which necessary documents will I need?

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While foreign nationals will not need a visa, Social Security number, green card, or FICO score, borrowers must meet certain requirements. We must be able to verify your financial situation and creditworthiness from your home country. Don’t worry – you won’t need to translate any documentation, and we will guide you through the process.

What steps should international investors take before securing a mortgage?

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Before securing your loan, it's essential to assess the property's potential return on investment (ROI), ensure adequate insurance coverage, conduct an appraisal, and negotiate favorable terms before finalizing the deal. Doing so will maximize the benefits of your investment.

Additional steps recommended after buying a property

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Once you've purchased the property, consider renovations or repairs to increase its value and potential monthly rent price. Next, find suitable tenants or engage a property manager for rental management. Finally, make sure to stay on top of property taxes to ensure compliance and maximize your investment's profitability in the long term.

Ready to take the next step?

You're just a few clicks away from securing your mortgage.

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