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

Fast & Easy Custom Rate Quotes

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Client Reviews

Vassiliy P
Vassiliy P
20:05 04 Jan 22
It's been a treat working with such knowledgeable and caring staff. Always reachable getting back to you with answers you need quick to make these life...
Mikhail K.
Mikhail K.
20:33 27 Dec 21
It was a pleasure working with Alex Shekhtman and his team on another loan. They made it easy and painless. Very professional and efficient. I would gladly...
Anna G.
Anna G.
15:34 21 Oct 21
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
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
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
I work in construction, so I was used to going to the banks for a loan and being told “no” over and over again. I decided to see if I could bypass the process. I’d heard a lot of good things about this company but I didn’t realize how dedicated they were to helping me until I got to know them myself. They looked at all of my information and got me a great deal for my next project. I know who I’ll be using for all of my home loan needs from this point forward.
Jules Bonchamps
Jules Bonchamps
07:28 16 Feb 21
I’m a real estate broker myself and I consistently rely on LBC Mortgage to get me the best deals. I always know that I can count on Alex Shektman and his team to come through for me when I need them and I even use them myself! No better testimonial to their services than that!
Shane Watson
Shane Watson
04:54 12 Feb 21
I would like to express my gratitude to the LBC Mortage team and personally to Alexander Shekhtman. I turned to Alexander about buying a home: Alexander and his team supervised the whole process very professionally. Personally, in working with LBC Mortgage i liked the punctuality, delicacy and professionalism - any question, any incomprehensible place, was immediately explained and covered. I wish success and good luck to the Agency and its employees in their future work!
Marat Shaimardanov
Marat Shaimardanov
05:16 11 Jan 21
The services were provided at the highest level. They worried about us and delivered information as many times as necessary so that we would all understand) And also a huge plus of this company that I do not really speak English, so I received all the information in Russian, since most of the employees know Russian. I recommend this company
Roman Trach
Roman Trach
12:59 22 Dec 20
We have worked with Alex and his company for many many years and were never disappointed. Just recently they worked on refinancing for our home and again the result exceeded all of our expectations. The team is very professional, on point, makes sure you as a customer, are aware of every step along the way. Everyone is always very helpful and courteous. It was a pleasure to work with Alex and his team again. Thank you!
Alla Krishtall
Alla Krishtall
02:46 23 Sep 20
It’s my second time in 10 years enjoy excellent, very reliable and fast service , strongly recommended to everyone, no hustles and desirable result !!And by the case very professional and friendly stuff !!!
Luna Lovegood
Luna Lovegood
22:36 25 Aug 20

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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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