The U.S. real estate market continues to attract international investors, and it’s easy to see why. Strong long-term appreciation, reliable rental income, and a wide variety of investment opportunities make American properties a smart addition to any portfolio. But for many foreign buyers, securing financing can be a challenge.
At LendSure Home Loans, we provide a foreign national mortgage solution that is designed specifically for international buyers, offering a flexible, commonsense approach that helps turn interest into ownership.
Whether you’re a real estate agent supporting a global client or an investor looking to expand into the U.S. market, our team makes the process clear, efficient, and accessible.
What Is a Foreign National Mortgage?
A foreign national mortgage is a specialized loan for individuals who aren’t U.S. citizens or permanent residents. These borrowers live abroad, don’t have a Social Security number, and often lack a U.S.-based credit score or tax documents. Traditional loans typically aren’t an option, but that doesn’t mean financing is out of reach.
LendSure Home Loans Foreign National loan program looks at the full financial picture, using alternative forms of documentation to help qualified buyers secure the funding they need.
Why These Loans Matter for International Buyers
According to the National Association of Realtors, from April 2023 to March 2024, foreign buyers invested $42 billion in U.S. existing-home purchases, about 2% of the $2.1 trillion market, with 54,300 homes sold, the lowest annual total since 2009. Though transaction volume dipped, average purchase prices topped $780,300 (median $475,000), reflecting strong demand from high-value investors.
As of Q1 2025, Realtor.com reports nearly 1.9% of its traffic comes from overseas home shoppers, up from 1.7% the prior year, highlighting continued interest in U.S. real estate. Still, about 50% of these buyers pay in cash, compared to 28% of all buyers, highlighting the widespread barriers with traditional mortgage lenders.
That’s why a foreign national mortgage is essential. It provides international investors with a much-needed financing solution to access the U.S. housing market.
Five Benefits of Financing Foreign National Loans with LendSure Home Loans
Our program is built to serve the unique needs of global buyers. Whether you’re advising a client or planning your own investment, here’s what sets us apart:
1 | No U.S. Tax Returns Required
Borrowers can qualify using:
- Personal or business bank statements
- An income verification letter from a CPA or employer in their home country
- Investor Cash Flow (DSCR), based on the property’s projected rental income
This flexibility gives qualified buyers a simple, straightforward path to financing.
2 | No U.S. Credit Score Needed
Instead of requiring a FICO score, we accept:
- Foreign credit reports or credit reference letters
- At least three active trade lines with a two-year history
- Foreign checking and savings accounts as supporting documentation
We focus on real financial strength, not just domestic paperwork.
3 | Loan Amounts and Cash-Out Options
We offer financing up to $1,000,000, with cash-out options up to $500,000, giving investors the ability to act quickly in competitive markets or reinvest equity into other projects.
4 | Flexible Loan-to-Value (LTV)
- Up to 75% LTV for purchases and rate-and-term refinances
- Up to 70% LTV for cash-out refinances
- Cash-out proceeds may be used toward reserve requirements when LTV is 60% or less
Our competitive LTV ratios give buyers more leverage with less upfront capital.
5 | Visa Types LendSure Home Loans Accept
We support a broad range of visa types, including B1, B2, F1, H2, H3, I, J1, O2, P1, P2, TN NAFTA, and Laser Visa. No visa? No problem. For investor-only transactions, our no-Visa option is also available.
We understand the legal and logistical complexities of international ownership, and we’re here to help make the financing process simple and compliant.
About Our Eligible Property Types
LendSure Home Loans’ foreign national mortgage program supports:
- Investment properties – from single-family rentals to condos and multi-units
- Second homes – perfect for vacation buyers
Primary residences are not eligible under this program. We also accommodate properties held in LLCs or U.S.-based corporations, provided a domestic agent for service of process is in place.
Who Is This Foreign National Mortgage Program For?
Our foreign national mortgage program is ideal for:
- International real estate investors ready to grow in the U.S.
- High-net-worth individuals who prefer financing over all-cash purchases
- Real estate agents representing global clients with strong financial profiles
- Frequent travelers or part-time U.S. residents purchasing second homes
- Investors seeking income-generating properties in U.S. markets
These buyers are often financially qualified, they just need a lender who understands how to evaluate international documentation. That’s what LendSure Home Loans delivers.
Why Real Estate Agents Choose LendSure Home Loans
We work directly with real estate agents to help international clients move confidently from the start of the deal to close. Our team is responsive, experienced, and easy to work with.
Here’s how we support your success:
- Fast pre-qualifications to keep deals moving
- Clear, flexible underwriting designed for non-U.S. buyers
- Expert guidance on documentation and structuring
- Ongoing support from a team that knows international lending
If you’re working with foreign national buyers, LendSure Home Loans gives you a reliable financing partner to help you close more deals with confidence.
Why Choose LendSure Home Loans?
It’s simple. We make loans that make sense. We’re not in-the-box lenders. Of course, there are numbers, ratios, and data to consider, but we know that behind every file, there’s an individual with unique circumstances seeking a loan.
We’re redefining the mortgage experience one loan at a time. Thanks to our common-sense approach and dedicated lending team, we often say ‘yes’ to today’s homeowners and investors.
Ready to explore how LendSure Home Loans’ can help you finance your next property? Contact us today.
