Foreign National Loans

Unlock your opportunity to own U.S. property with ease. At Richmondmortgages, our Foreign National Loans make it simple for international buyers to purchase or refinance real estate without U.S. credit history offering flexible terms, competitive rates, and expert guidance every step of the way.

Own U.S. Real Estate Without U.S. Residency

You don’t need to live in America to invest in it. At Richmondmortgages, our Foreign National Loans empower international buyers to purchase U.S. property using alternative credit, global assets, and flexible documentation. Whether you’re acquiring a vacation home, investment property, or entering the U.S. real estate market for the first time — we make it possible.

Why Choose a Foreign National Loan with Richmondmortgages?

  • No U.S. Credit Required — We accept foreign credit reports, bank statements, and asset verifications from your home country.

  • Flexible Income & Documentation — Use overseas income, business profits, or international assets to qualify.

  • Investment & Second Homes Allowed — You can acquire properties for personal use or rental income.

  • Tailored Loan Structures — Fixed rates, adjustable options, DSCR-based offers — built around your unique profile.

  • Transparent, Global Support — Benefit from specialized guidance through every step of international financing.

How Foreign National Loans Work with Richmondmortgages

  1. Global Pre-Qualification
    Submit your international income, assets, and financial goals to estimate your financing capacity.

  2. Document Collection & Verification
    Provide passport, foreign credit reports or bank reference letters, proof of income or business, and asset statements.

  3. Underwriting & Credit Evaluation
    We assess your foreign financials, risk metrics, and property value — sometimes combining with DSCR methods.

  4. Offer & Terms Presentation
    Receive a custom offer including down payment, interest rate, term, and any special conditions.

  5. Closing & Fund Transfer
    Handle cross-border logistics, legal compliance, document signing, and disbursement.

  6. Ongoing Servicing & Growth
    Manage payments, explore refinancing, or expand your U.S. real estate portfolio with our support.

Foreign National Loans FAQs You Should Know

Ans: Yes — foreign credit, ITIN, or alternative documentation is often accepted.

Ans: No — foreign nationals can qualify without living in the U.S.

Ans: Typically higher — many lenders require 25–30% down or more.

Ans: Yes, because of added risk — but Richmondmortgages works to keep them competitive.

Ans: Single-family homes, condos, multi-unit/investment properties (depending on the lender).

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How It Works

Let Us Help You Invest in U.S. Real Estate with Ease

Owning property in the United States is now easier than ever — no citizenship or U.S. credit history required. At Richmondmortgages, our Foreign National Loans are designed to help international buyers purchase or refinance real estate in the U.S. with flexible documentation and personalized support. Whether you’re buying your first U.S. property or expanding your global portfolio, we make the process simple, secure, and rewarding.

Step 1

Understand Your Global Financial Profile

We begin by reviewing your international income, assets, and financial goals. Our experts help assess your eligibility using foreign credit reports, bank references, or asset statements — giving you a clear path to U.S. property ownership.

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Step 2

Customize Your Loan Solution

Every client’s financial situation is unique. We help you choose the right loan amount, term, and repayment plan based on your goals and available documentation — ensuring your financing fits your investment vision perfectly.

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Step 3

Get Approved Smoothly & Secure Funding

Enjoy a transparent approval process with minimal paperwork. Once approved, funds are made available quickly so you can close on your property confidently and start building your U.S. real estate portfolio without delays.

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Step 4

Own, Invest & Grow Internationally

Use your Foreign National Loan to purchase vacation homes, investment properties, or income-generating real estate. With Richmondmortgages, your international property journey becomes simple, secure, and profitable — helping you grow wealth across borders.

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