For international borrowers, U.S. real estate represents one of the most attractive investment opportunities in the world. From vacation homes to income-producing rental properties, the American market offers stability, scale, and the potential for long-term appreciation. Yet, financing can feel like a barrier for those without U.S. citizenship or residency.
That’s where Foreign National loans come in clutch.
These specialized loan programs are designed to give international buyers and entrepreneurs access to U.S. financing, creating a pathway to expand property portfolios and establish a presence in one of the world’s most dynamic real estate markets.
Why International Borrowers Turn to Foreign National Loans
Foreign National loans are mortgages created for buyers who aren’t U.S. citizens or permanent residents. These loans give you access to financing without the rigid requirements of conventional lending.
With LendSure Home Loans, you don’t need:
- U.S. tax returns
- A Social Security number
- A domestic credit history
Instead, you can qualify with bank statements, CPA or employer letters, or even the projected rental cash flow of your property. That flexibility makes it possible for international borrowers to compete in U.S. real estate markets where cash buyers have historically had the upper hand.
The Strategic Advantage: Building a Portfolio
Financing through Foreign National loans is about creating room to grow, not just making a single purchase. By using financing instead of paying cash, you can:
- Diversify across U.S. markets: Spread your investments across multiple states or property types.
- Preserve your capital: Keep funds available for other ventures, renovations, or additional acquisitions.
- Unlock equity later: Cash-out refinancing with us gives you access to up to $500,000 for future opportunities.
- Strengthen your offers: Prequalification from LendSure Home Loans shows sellers you’re a serious buyer ready to close.
For international borrowers, that means you’re entering the U.S. market, but you’re also building a strategy to expand within it.
LendSure Home Loans Foreign National Loans
Our program was designed with international borrowers in mind. Here’s what sets LendSure Home Loans apart:
- Loan amounts up to $2,000,000
- Cash-out up to $500,000
- Loan-to-value up to 75% for purchases and 65% for cash-out refinances
- No U.S. tax returns required, qualify with bank statements or property cash flow (DSCR)
- No U.S. credit history required, foreign credit reports accepted
- Commonsense underwriting, we look at your full financial profile
- Income verification flexibility, CPA or employer letters from your home country accepted
- Visa flexibility, B1, B2, F1, H2, H3, I, J1, O2, P1, P2, TN NAFTA, Laser Visa all accepted; investor options available even without a U.S. visa
- Available for second homes and investment properties
This level of flexibility is what makes LendSure Home Loans different. We don’t just approve borrowers who fit a narrow checklist; we work with you to find practical solutions.
What This Means for International Borrowers
Here’s how international borrowers can put LendSure’s Foreign National loan program to work:
- Vacation homes: Own a condo in Florida, a retreat in California, or a second home in another U.S. destination.
- Income properties: Finance rental properties in high-demand areas and create a reliable income stream.
- Portfolio growth: Use financing to expand into multiple markets over time instead of tying up all your funds in one purchase.
- Cash-out flexibility: Refinance later to access equity and fund additional investments or improvements.
Where traditional lenders say “no,” LendSure Home Loans creates a pathway for you to say “yes” to opportunity.
Key Considerations Before You Apply
Foreign National loans open doors, but it’s helpful to plan ahead. Keep in mind:
- Down payments: International borrowers typically contribute 25–30% toward a purchase.
- Property type: These loans are for second homes and investment properties, not primary residences.
- Documentation: Prepare financial documents (bank statements, CPA letters, or foreign credit reports) to strengthen your application.
- Trade lines: Three active trade lines with a two-year history, including foreign bank accounts, may count toward credit verification.
By preparing these items early, you’ll make the financing process smoother and faster.
Why Borrowers Choose LendSure Home Loans
When international borrowers explore financing, they often discover that very few lenders specialize in this space. At LendSure Home Loans, we’ve built one of the most borrower-friendly Foreign National loan programs available.
We combine flexibility, speed, and commonsense underwriting to deliver solutions where others see only roadblocks.
Reminder, with LendSure Home Loans, you can:
- Compete in U.S. markets without paying all cash
- Retain more of your capital for other investments
- Unlock equity for future purchases
- Build credibility for ongoing financial opportunities in the U.S.
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 say ‘yes’ more often to today’s homeowners and investors.
Contact us today to learn more about Foreign National loans as an international borrower.
