Foreign National Loans
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Foreign National Loan: Program Highlights & Borrower Benefits
A Foreign National Loan is designed for non-U.S. citizens purchasing or refinancing property in the United States without a Social Security Number or U.S. credit history.
Qualification is based primarily on assets, down payment strength, and property cash flow — not U.S. tax returns or domestic income verification.
This program allows international investors to access U.S. real estate opportunities with structured financing.
Capital has no borders.
Program Features
Loan Amounts: Up to $3,000,000+ (varies on loan to value)
U.S. Tax Returns: Not required
Min Credit Score: U.S. credit not required (international reference letters may apply)
Property Types: Investment properties only
Down Payment: Starting at 25% minimum
Occupancy: Non-owner occupied (investment use only)
Max LTV: up to 75% depending on property and assets
Reserves: Typically 6–12 months required
Income Documentation: Limited documentation; asset-based qualification
U.S. Bank Account: Required prior to closing
No Social Security number required.
No U.S. income documentation required.
Asset-driven underwriting.
Approval is based on financial strength — not residency.
Program Highlights
Loan Amounts: Up to $3,000,000+ (varies on loan to value)
Min Credit Score: U.S. credit not required (international reference letters may apply)
Down Payment: Starting at 25% minimum
Max LTV: up to 75% depending on property and assets
Income Documentation: Limited documentation; asset-based qualification
U.S. Tax Returns: Not required
Property Types: Investment properties only
Occupancy: Non-owner occupied (investment use only)
Reserves: Typically 6–12 months required
U.S. Bank Account: Required prior to closing
No Social Security number required.
No U.S. income documentation required.
Asset-driven underwriting.
Approval is based on financial strength — not residency.
How It Works
Apply Online
Get Approved
Fund
Apply Online
Get Approved
Fund
Equinox Makes Cross-Border Financing Strategic
At Equinox, we understand international transactions require precision.
We help with:
- Wire transfer coordination
- Currency movement timing
- U.S. banking setup guidance
- LLC structuring (if applicable)
- Appraisal and market positioning
- Exit strategy planning
We manage documentation clearly to avoid delays and confusion.
Because international deals require clean execution.
Why Choose a Foreign National Loan?
If you have capital and a strategic investment plan, this program provides access.
U.S. real estate remains one of the most stable global asset classes.
We are the Alternative Mortgage Financing Experts.
Funded Home Loans
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Application to Closing Conversion
Funded Home Loans
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Application to Closing Conversion
Answers to Your Questions
What is a Foreign National Loan?
Is My Credit Score a Factor in Getting Approved?
What Kind of Loan Terms Do You Offer?
How Do I Get Qualified?
What Type of Properties Can I Finance?
Our Latest Funded Loans
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