A U.S. home, condo, or apartment from abroad—start by telling us your plan
International buyers finance houses, condos, and apartments in the U.S. all the time—with different paperwork than a U.S. W-2 borrower. Share what you're after; we organize a clear scenario and a licensed loan officer reviews it with you. No rate quotes. No fake approvals.
What to expect
Clarity first, then a real conversation
Financing a U.S. home as a foreign national isn't the same as a resident W-2 purchase—but it isn't a maze either when your situation is laid out clearly.
- Step 01
Tell us what you want
Primary home, second home, or investment condo/apartment—plus where, when, and how you usually show income or liquidity.
- Step 02
We note what usually matters
Down payment, reserves, how you'll use the home, and where your documents come from often matter more than a U.S. pay stub.
- Step 03
You talk with a licensed loan officer
With the scenario ready, a licensed loan officer can walk through possible paths with you—no automated approval or denial.
Start where you are
Pick the path that feels closest
These don't lock you in. They just focus a few questions so you spend less time on the basics and more on what's unique about your case.
You're not alone in this
For people buying a U.S. residence from outside the country
If you've been told “it's complicated” or “you need U.S. tax returns,” that may simply mean you need a Non-QM or foreign-national conversation about a real home—not that financing is impossible. Guidelines vary; a clear scenario is the honest next step.
Next step
Get clear before you talk to a loan officer
A few minutes now can replace weeks of vague answers. You'll see what you submit before anything goes to a licensed loan officer for review.
Submission is not a commitment to lend. Pathways depend on your profile, the residence, documentation, state licensing, and current guidelines—not a guarantee of approval.