Mortgage Options for Foreign Nationals

An Ideal Solution for Borrowers Residing Outside the United States

A Closer Look at Foreign National Loans...

Applicants Residing Outside of the United States

Foreign nationals residing outside the United States can qualify for an investment property by relying on the property's cash flow for qualification.

Our Foreign National product falls under the debt service coverage ratio category, where qualification is determined based on the property's cash flow rather than the borrower's income. This loan option is straightforward and offers a speedy closing process for eligible individuals.

Do I Qualify?

  • Maximum LTV of 70%

  • Maximum LTV of 65% for cash out

  • Loan amounts up to $1.5 million, minimum loan amount of $75,000

  • A DSCR program with a 1:1 ratio on cash flow

  • Assets sourced and seasoned for 60 days – must be in a U.S. FDIC insured bank for a minimum of 30 days

  • 12 months reserves required and must be in a U.S. bank

  • ACH auto-payment is required and form must be completed at closing

  • No sanction listed countries allowed and will not lend in Osceola County

  • Cannot reside in the United States

  • Must have an eligible Visa: B-1, B-2, H-2, H-3, I, J-1, J-2, O-2, P1, P2

  • No gift funds allowed

Your Home Loan Could Be Fully Funded

30 Days From Now

Let our experienced team of Mortgage Advisors guide you through the buying or

refinancing process quickly, efficiently, and confidently.

Steady Fixed Interest Rates

Your loan's interest rate and duration remain fixed throughout the entire life of your loan.

Flexible Adjustable Rate Mortgages

Your interest rate may fluctuate in response to market conditions, but the initial rate could be lower than that of a fixed-rate option.

Conforming Home Loans

Loans available for amounts up to $726,200 in the contiguous 48 states.

Jumbo & Super Jumbo Loans

Loan amounts vary depending on your state and county, but these loans generally come with higher interest rates due

FHA, VA, & USDA Loans

Backed by the federal government, these loans usually feature lower interest rates but come with different eligibility criteria.

Terms from 5 to 30 Years

Select your loan term based on your financial goals.

See What You Can Save!

Mortgage rates change every day, and your rate will vary based on your location, finances and other factors. Get your FREE customized rate comparison below:

Loans Direct Funding LLC. offering personalized mortgage solutions, fast customized quotes, competitive rates & service with integrity.

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