Non-US Resident Mortgage Rates

Non-US Resident Mortgage Loans

Even if you’re not a U.S. resident, you may still be able to qualify for a home loan with a Non-US resident mortgage loan. Conventional loans and FHA loans are available to non-residents as long as you can show your financial status as well as your work history. Although the process is not as straightforward as it would be if you were a resident, it’s still possible, particularly if you are a permanent resident with a green card, or non-permanent resident with a work visa.

The good news is that if either of these scenarios applies to you, you can qualify for a home loan at the same rates as U.S. residents provided that your financial status and work history look good.

Getting Started with Home Ownership in the U.S.

One of the most important things you’ll want to do is establish a credit history. This is the first thing that banks and other lenders look at to determine how much of a risk you are in terms of loaning money. If you have a bank account at a U.S. banking institution, you’ll be one step ahead of working to build up your credit history. If you have an existing financial relationship with an international bank that happens to have branches in the United States, you’re in luck, since they will already have a record of your financial activity

Beyond that, you’ll need to use the home as a primary residence. Lenders don’t typically approve mortgages to non-residents if they’re planning to use the home from time to time. Even if you don’t have a considerable work history in the United States, you may still be able to qualify for a home loan as a foreign citizen, since the FHA, for example, accepts non-U.S. tax returns as proof of income and employment.

Loan Features

  • Minimum 30% down payment
  • No US credit required
  • Second homes and investment properties
  • SFRs, townhomes, condos, 2-4 units
  • No SSN or ITIN required
  • 12 months reserves required
  • 5/1 ARM or 30-year fixed

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Client Reviews

LBC Team went above and beyond to help us buy our new home! They were available for all of our questions, were prompt in their replies to us, and guided us...
Julia T.
Julia T.
08:40 22 Aug 21
Excellent team of great professionals! Superb customer service! They have successfully handled our purchase and refinance in a very short period of time,...
Elina L.
Elina L.
11:12 30 Jun 21
It is hard to describe how scary we were when decided to buy a house. We had no knowledge of the processing, prices, policies, calculations… When our agent referred us to Alex Shekhtam, from the first phone consultation we felt to be just in right hands. We are so blessed to have LBC Mortgage team! Our first house was purchased just because of these hardworking, reliable, efficient, responsive professionals! Recently we were able to refinance our house on good conditions, again, just because of them! Easy processing paperwork, knowledgeable advisors, pleasant communication make you feel special. We are so grateful to all and everyone from LBC Mortgage for making our dreams true!!!!
Lora Kochetkova
Lora Kochetkova
03:44 29 Jun 21
LBC Team is now our Number One Team! Their service was impeccable! We really appreciated the detailed explanations and daily reminders throughout the whole...
Galina S.
Galina S.
13:34 29 Mar 21
We were able to close on our first home even with a strict budget, and I credit it all to Alex and the staff at LBC Mortgage. We couldn’t have done it without you. Thank you so much!
Roger Billon
Roger Billon
06:07 25 Mar 21
Alex and his team were very attentive to our needs. We had some very specific criteria when looking for a home, and most mortgage companies, especially banks, were not even willing to listen to us -- but the team at LBC Mortgage was. They kept everything moving and were happy to answer our questions. We never felt like a burden to them, and that’s how customer service should be.
Kaylani paliotta
Kaylani paliotta
05:51 25 Mar 21
This was one of the last steps I needed to do in order to close on a home, and I had been putting it off because I had assumed it was a complicated and cumbersome process. I could not have been more wrong. Alex and everyone at LBC Mortgage made the process really simple and straightforward. Excellent company with people that really care about you.
Charles W
Charles W
06:52 23 Mar 21
If you are shopping online for mortgage or refinance, look no further. Seamless process and good communication. I am pleased with their fast response. They kept me updated with each phase of a process. Thank you LBC Mortgage.
Christiane BABINOT
Christiane BABINOT
07:40 03 Mar 21
People often ask me who I use for my own mortgages and refinances. Every time I recommend LBC Mortgage. They’re always working hard to stay one step ahead of the competition. To me, they’re more like family than my mortgage company. I’ve just closed my third deal with them and I can’t wait to see what the future holds.
Ahndray Hamilton
Ahndray Hamilton
09:06 18 Feb 21

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Get More Information on a Non-US Resident Loan

At LBC Mortgage, we understand the needs of foreign residents who are aspiring to buy a home in the U.S. A Non-US citizen mortgage loan in California may be the right option for your specific needs. Depending on your circumstances, there may be no U.S. credit required and you may be able to benefit from the same kinds of terms as a conventional loan, such as a 5/1 ARM or a 30 year fixed mortgage. In addition, you don’t need a social security number.

You can also use your foreign citizen loan to buy a townhome or condo of up to 2-4 units. For this reason and to better understand all of the details, we recommend contacting our friendly, helpful and professional home loan experts. We’ll take the time to answer all your questions as well as help you determine whether or not you may qualify for a Non-US citizen mortgage in California, and how to go about getting one.

Although there are a few extra steps involved, becoming a homeowner in the U.S. is a great milestone that can pave the way for a number of benefits in the future. Contact our expert home loan team today about how a Non-US citizen loan can help you achieve that dream!

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