Foreign National Loans

Not a US Citizen but need to buy or refinance your home? We can help!


Need a Foreign National Loan?

Do you need to buy a home or refinance but can’t because you are not a US Citizen?

Equinox Home Financing offers a Foreign National loan.  This loan program is perfect for Non US Citizens looking to buy real estate here in the US. We can get you qualified without proof of income or credit required.

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How It Works

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Call or Apply Online

Our licensed loan officers are ready to help answer any questions that you have. Taking an application over the phone could be as quick as 10 minutes. 

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Get Approved

We will review your loan application, your property will be appraised, underwritten, and approved. 

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Once all items have been satisfied and we are clear to close, loan docs will be drawn. You’ll sign loan docs and your loan will fund. 

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Why Equinox?

Here at Equinox Home Financing, we pride ourselves on providing solutions to self-employed home buyers and borrowers. If you can’t provide proof of income or you are like most other business owners who have an overage of tax deductions, we can help you! 

Yes, We are the Foreign National Mortgage Experts.

Here at Equinox Home Financing, we’ve helped thousands of Non US Citizens purchase a home. Once we have reviewed your loan application, we will be highly certain that you do qualify. This is why our conversion ratio is so high. Don’t believe us? Call us today to find out.

Funded Foreign National Loans


Application to Closing Conversion

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Answers to Your Questions

What is a Foreign National Loan?

A Foreign National Loan is a type of loan designed for people who aren’t citizens or permanent residents of the US, allowing them to invest in real estate. This program is for the purchase or refinance of investment properties only. Foreign National loans do not look at income or credit for qualififcation, so typically require larger down payments for a purchase, usually around 25% to 30%. 

Is My Credit Score a Factor in Getting Approved?

When doing a Foreign National loan, we do not look at your credit score. Since Foreign Nationals do not have income in the US and do not have ITIN/SSNs, there is no credit check required for the loan. 

What Kind of Loan Terms Do You Offer?

Foreign National loans come in all types of loan terms. It’s a very flexible program that can help you get the payment that you need. Foreign National loans are available as a 5 Year Adjustable Rate Mortgage which will get you the best interest rates. If you want a longer term, we have a 7 Year Adjustable Rate Mortgage available and a 30 Year Fixed Rate option available as well. Some borrowers prefer interest only payments which we can do as well, so that you can keep your monthly payments as low as possible.

How Do I Get Qualified?

The process is simple. When most people call us, they are usually skeptical about the program and if they can really qualify. Here at Equinox Home Financing, we have been providing these programs since they have been made available and have been able to help many Foreign Nationals purchase or refinance their homes. First step is to call us, a professional will help consult you and explain how our programs work in detail. There are many types of programs and it’s best to speak with us so we can guide you in the right direction.

What Type of Properties Can I Finance?

It depends what type of loan program you are qualified for. With a Foreign National loan program, we can offer this loan on an Investment Property only. We can lend on single family residences, condo’s and 1-4 unit properties.

Our Latest Funded Loans

Take a look at some of the loans we recently funded for our self-employed customers

cali house

Los Angeles, California

  • Bank Statement Loan
  • 10% Down Payment
  • $1,200,000 Loan Amount

Tampa, Florida

  • Bank Statement Loan
  • 25% Down Payment
  • $475,000 Loan Amount

Plano, Texas

  • 2 Year 1099 Loan
  • 15% Down Payment
  • $505,000 Loan Amount


Read what our customers are raving about

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What Are You Waiting For?

Call us today. A licensed representative is on stand by to help you with your financing needs. There’s no need to wait any longer. Get financing now!