Can use international credit reports, bank references, asset verification, and passport-based documentation.
Loan Programs
Foreign national financing for buyers investing in U.S. real estate
TopOne Mortgage works with foreign-national borrowers who want to purchase property in the U.S. using international assets, alternative credit references, and investor-friendly ownership structures.
Foreign national loans are designed for non-resident, non-U.S. citizen borrowers who want to buy or invest in U.S. property. They can be especially useful when a borrower has substantial global assets but limited U.S. income history or credit.
Often ranges from 25 to 35 percent depending on property use, loan size, and reserves.
Some programs allow title in an LLC, corporation, or trust.
Often available for one- to four-unit properties, condos, and many investment scenarios.
Why Borrowers Choose This Program
Foreign National Loan advantages at a glance.
- Purpose-built lender options for cross-border buyers.
- No standard U.S. credit profile required in many cases.
- Bilingual support and coordination with title and escrow partners experienced in international transactions.
- Remote-closing friendly process with e-sign and wire coordination.
- Clear guidance around visa, passport, reserve, and ownership documentation.
Frequently Asked Questions
Helpful detail before you apply.
Do I need a U.S. credit score?
Not always. International credit or bank-reference documentation can often be used instead.
Can I close remotely?
Yes, many foreign-national transactions can be coordinated with remote closing and wire procedures.
Can the property be held in an entity?
On some investor-oriented programs, yes.
How long do foreign-national loans take to close?
Roughly 30 to 45 days is common, depending on document turnaround, appraisal, and escrow timing.
Start The Process
Tell us a bit about your Foreign National Loan scenario.
We will review your information, organize next steps, and tell you which documents will move the file forward fastest.
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