U.S. loan types for borrowers overseas
Five ways to finance U.S. property as a foreign national or U.S. expat — long-term residential, fast asset-based bridge, commercial real estate, vacation homes, and multi-property portfolio loans. Pick the loan type that matches your plan; each page covers who qualifies, terms and how the process works.
U.S. Residential Mortgages for Overseas Borrowers
U.S. residential mortgages for Americans abroad and foreign nationals — purchase, refinance or release equity. Up to 80% LTV (expats) / 75% (foreign nationals), foreign income accepted, no U.S. credit required. 150+ programs, all 50 states.
Explore this loan typeDSCR Loans for Foreign Nationals & U.S. Expats
Qualify for a U.S. DSCR mortgage on the property's rental income — not your personal income. No U.S. credit, tax returns or SSN required. Up to 80% LTV, loans from $100,000 to $3,000,000 across 150+ programs, with 30–45 day closings.
Explore this loan typeU.S. Bridge Loans for Investors, U.S. Citizens & Foreign Nationals
Short-term, asset-based U.S. bridge loans from $1M with no maximum. Close in 10–14 business days on purchases, refinances and time-sensitive deals — up to 75% LTV, non-recourse available, no U.S. credit required.
Explore this loan typeU.S. Commercial Mortgages for Overseas Investors
U.S. commercial real estate financing for international investors — foreign nationals, U.S. expats, family offices and developers. Finance multifamily, office, retail, industrial and hospitality from $1M to $500M. No U.S. credit required, all 50 states, bridge/mezzanine/conventional.
Explore this loan typeU.S. Second Home Mortgages for U.S. Expats and Foreign Nationals
Finance a U.S. vacation or second home from overseas — for Foreign Nationals and U.S. Expats. Foreign income and global assets accepted, no U.S. credit required in many programs, and a fully remote process from pre-qualification to closing.
Explore this loan typeU.S. Portfolio & Blanket Loans for Investors
Finance a portfolio of U.S. rental properties under one blanket loan — underwritten on property cash-flow, not personal income. Up to 75% LTV, non-recourse available, no limit on properties, all 50 states.
Explore this loan typeNot sure which fits?
Start from your situation instead: foreign nationals, U.S. citizens abroad, buying or refinancing — or run the numbers with our calculators.