Looking to invest in U.S. real estate but don’t live in the country or have a U.S. credit history? At Family Home Loans, we specialize in helping international buyers secure property in the United States with flexible and simplified lending options. Our Foreign National Loan Program is designed specifically for non-residents who want to purchase or refinance U.S. properties—without the usual red tape.
Program Highlights
Low Down Payment
Start with as little as 25% down—perfect for global investors entering the U.S. real estate market.
No Income, Employment, or U.S. Credit Required
We don’t require proof of U.S.-based income, employment, or a local credit score.
No Reserves Required
Qualify even without large cash reserves in U.S. bank accounts.
Non-Owner Occupied Allowed
Purchase investment properties, vacation homes, or condotels—primary residency is not required.
High Loan Amounts
Borrow up to $2 million, depending on the value of the property.
Frequently Asked Questions (FAQ)
Do I need a U.S. Tax Identification Number (TIN) to qualify? No, a TIN is not required to apply or be approved for a foreign national mortgage.
Can I purchase a second home or an investment property? Absolutely. Foreign national loans can be used to purchase vacation homes, rental properties, or condotels.
What kind of credit history do I need? While a U.S. credit report is not necessary, we can consider:
Credit reports from your home country
Reference letters from banks, landlords, or service providers
Utility and mobile phone bills as proof of responsible credit usage
Is U.S. residency or immigration status required? No. Your residency or immigration status is typically not considered during the approval process.
Why Choose Family Home Loans?
Global Experience – We work with clients from around the world
Tailored Loan Programs – Built specifically for international buyers
Quick Approvals – Streamlined process with minimal documentation
Multilingual Support Available – Assistance in your preferred language
Let’s Bring Your U.S. Property Dream to Life
Whether you're purchasing a vacation home in Florida, investing in rental properties, or expanding your international portfolio—our team is here to help.
Get A Quote
Start your journey today, feel free to reach out to us for personalized mortgage guidance and assistance.
1212 Suncast Lane, Suite 1 El Dorado Hills, Ca. 95762
Family Home Loans
Many years of dedicated service have allowed us to play a crucial role in turning home aspirations into reality, always with a keen eye on keeping it within our customers' financial reach.
Disclosure: The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.
