Are You a Filipino Investor Looking to Buy Property in the U.S.?
You’re not alone. U.S. real estate is one of the most sought-after global investment assets, and many Filipino investors are entering the market to diversify their wealth, earn passive rental income, and benefit from long-term appreciation.
The good news? You don’t need to be a U.S. resident, visa holder, or have U.S. credit to qualify for a mortgage. Specialized U.S. lenders offer mortgage options tailored for international buyers—including those living in the Philippines.
This guide outlines how you can obtain a U.S. mortgage from the Philippines, which loan types are most suitable for investors, and what documents you’ll need to apply.
Can Filipino Citizens Buy Property in the United States?
Yes. No legal restrictions are preventing Filipino citizens from owning property in the United States. Whether you’re purchasing a rental home, vacation condo, or multifamily investment, you can do so as a non-resident, and you can finance your purchase through a foreign national mortgage.
These loans are based on global financials, not your U.S. credit or residency status.
U.S. vs. Philippines: Mortgage System Comparison
Understanding the differences between mortgage processes in the U.S. and the Philippines will help set realistic expectations:
| Feature | United States (Foreign National) | Philippines |
| Residency Required | No | Yes (for loans) |
| Credit Score Requirement | Not required | Required for domestic loans |
| Down Payment | 25% | 20–30% |
| Loan Currency | USD | PHP |
| Interest Type | Fixed or adjustable | Mostly variable |
| Loan Term | 15–30 years (regardless of age) | Up to 20 years |
| Approval Based On | Global income or property cash flow | Local income and job stability |
Required Documents for Filipino Buyers
To apply for a U.S. mortgage from the Philippines, you’ll typically need the following:
- Valid Philippine passport
- Bank statements (local or international accounts)
- Proof of funds for the down payment and reserves
- Property details or executed purchase contract
- Rental income projections (for investment properties)
- U.S. credit score is not required
If you’re buying an income-generating property, you can apply through a DSCR loan, which qualifies you based on projected rental income—no personal income or employment verification needed.
Best Mortgage Options for Filipino Citizens
1. Foreign National Investment Loan
This loan is ideal for Filipino nationals who do not have U.S. income, credit, or residency status. It is based on your international financials, including assets and bank statements.
Best For:
- Non-resident buyers purchasing U.S. investment property
- Filipino investors without ties to the U.S. banking system
Key Features:
- 25–30% down payment
- No U.S. credit or Social Security Number required
- Fixed or adjustable rates
- Terms up to 30 years
2. DSCR Loan (Debt Service Coverage Ratio)
This loan is designed for investors and qualifies borrowers based on the cash flow of the property itself, not personal income.
Best For:
- Rental property buyers
- Investors seeking streamlined approvals
Key Features:
- No personal income or employment verification
- Approval based on rental income projections
- Suitable for single-family or multifamily properties
Why Work with a Specialized U.S. Lender?
Buying property overseas is a major financial move, and working with a lender who understands the complexities of cross-border financing is essential. That’s where America Mortgages comes in.
With deep experience helping clients from the Philippines and across Southeast Asia, America Mortgages offers programs tailored to non-residents and supports buyers every step of the way—from pre-approval to closing.
Contact: [email protected]
Website: www.americamortgages.com
Speak to a US Loan Expert 24 hours a day / 7 days a week: +1 845-583-0830
Need help getting started? Use their 24/7 online booking tool to schedule a free, no-obligation consultation with a licensed U.S. mortgage advisor. https://www.americamortgages.com/home-mortgage-for-foreign-national-form/
