Refinancing for foreign nationals investing in U.S. real estate

With Waltz, securing refinancing for non-U.S. investors in the U.S. real estate market is easy.

Foreign nationals seeking to refinance U.S. real estate may face hurdles, especially if the property was bought outright with cash. Waltz streamlines the process, allowing non-citizens to tap into their property's equity or secure improved mortgage terms.

What is refinancing for foreign nationals, and who is it for?

For foreign nationals already invested in U.S. real estate, refinancing allows them to optimize their investment strategy and improve cash flow. Refinancing can involve two distinct processes:

  • Replacing an existing mortgage with a new one, typically to obtain better loan terms or access equity in the property. Equity is the difference between your home's value and what you still owe on your mortgage.
  • For those who purchased the property with cash, obtaining a mortgage for the first time and leveraging the equity on other investments (like renovating or buying another property).

Unlock your property's potential with Waltz's refinancing solutions

Refinancing your property as a foreign national can be a strategic financial decision. At Waltz, we specialize in providing seamless refinancing solutions tailored to the unique needs of international investors in the U.S. real estate market.
Whether you aim to reduce your interest rate, shorten the loan term for a faster payoff, or unlock equity for further investments, exploring refinancing options can offer you flexibility and financial advantages. Or, if you acquired the property initially through an all-cash purchase, refinancing with Waltz can open up opportunities to leverage your equity effectively, empowering you to make additional investments.

Types of refinancing for
foreigner nationals

Dollar exchange icon

Rate-and-term refinance

  • Focuses on improving the existing terms of your current mortgage for a better deal.
  • You can adjust the interest rate and loan duration to better match your current financial situation and remaining loan balance.
  • This option allows you to replace your old loan with a new one with more favorable interest rates or a shorter loan term to pay off your mortgage faster.
  • While lower interest rates can lead to significant savings on your monthly payments, there may be closing costs associated with refinancing.
  • Ideal if you want to lower your monthly payments or pay off your loan faster through a shorter term and potentially lower interest rate.
coins icon

Cash-out refinance

  • This option allows you to tap into the equity you've built up in your property.
  • With a cash-out refinance, you can borrow more money than your remaining mortgage balance based on your built-up equity.
  • This extra cash can be used for various purposes, such as funding other investments, making significant home improvements, consolidating debt, or covering other financial needs.
  • A key benefit is that you receive the cash at closing, which provides flexibility for diverse uses, like a down payment on another property.
  • Ideal if you need access to additional funds from your home equity for various purposes.

Why refinance with Waltz?

Waltz understands the challenges and complexities foreign nationals face when navigating the U.S. real estate market and wants to simplify the process for international clients. Our platform is designed to address challenges common to investing in foreign real estate, including language and geographic barriers, requirements to live or work in the U.S., unfamiliarity with U.S. regulations, and difficulties in communicating with lenders across different time zones.

Global investors

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

Refinance for foreigners

Our refinance options 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 refinance options for foreigners

Discover how Waltz makes refinancing American properties as a foreigner a seamless experience

A lightning bolt icon inside a circle with an arrow, representing a quick and digitized process

Quick & all-Digital

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

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.
Icon of globe to represent foreign, non-American,  investors

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.
Icon of a person wearing a headset for technical support

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.
Icon of a person wearing a headset for technical support

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 in obtaining a refinance for foreigners with Waltz


Apply online

Begin the process by filling out a simple online application form, and you will be paired with a dedicated Waltz Account Manager to guide you through the whole process. You then will also obtain a term sheet from Waltz.


Purchase your Waltz Investor Kit (optional)

For those who don’t have a U.S. bank account for their investment, we recommend purchasing the Waltz Investor Kit. This all-in-one digital solution streamlines property refinancing in the U.S. Within 20 minutes, you’ll receive your Investor Kit, which contains an LLC, EIN, operating agreement, and 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 documents necessary for a refinance. This typically includes three of your most recent bank statements. No need for complicated paperwork, translations or even faxes – send everything securely using our platform.


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 currency3 and transfer funds internationally with our streamlined process, ensuring smooth transactions with competitive exchange rates.

Secure your Refinance

With refinancing options offering up to 70% loan-to-value ratio1, secure your refinance quickly and efficiently through Waltz.


All done!

Now that your refinance is complete, you can benefit from the improved rates or terms you secured. If you opted for a cash-out refinance, you'll also have access to the extra cash you borrowed.

Frequently asked questions

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

Plus iconMinus icon

Yes! The process may involve additional steps compared to the traditional refinance process for U.S. citizens, but there are a few lenders that can meet your needs. Waltz was built to help people like you get better refinance options without the hassle of traditional banking.

Which documents will I need to get started?

Plus iconMinus icon

To refinance with Waltz, you’ll need bank statements from the past three months and your passport from your home country. That's all it takes to get started!

How long does the refinancing process take for foreign nationals?

Plus iconMinus icon

The refinancing process can vary in length, but with Waltz's efficient digital platform, you can expect a quick turnaround time. Our streamlined process allows for refinancing to be completed in as short as 14 days1 , ensuring a fast and hassle-free experience.

What types of properties can foreign nationals refinance through Waltz?

Plus iconMinus icon

With Waltz, you can refinance various residential properties such as single-family homes (1-4 units), condos, and townhomes. Our flexible refinancing options are designed to help you make the most of your U.S. real estate investments.

What other services do you provide at Waltz?

Plus iconMinus icon

At Waltz, we are also the leaders in providing mortgages for foreign nationals, making investing in U.S Real Estate for non-US citizens even easier!

Ready to refinance?

Take the next step towards optimizing your investment in U.S. real estate with Waltz refinancing solutions.

Get started