Foreign National Loan Programs

Own Property in the U.S. — Even Without U.S. Citizenship

At Freedom Choice Lending, we believe opportunity should have no borders. Our Foreign National Loan Program is designed for international buyers who want to invest, vacation, or build their financial future in the United States — even without a Social Security number, green card, or U.S. credit history.

Who This Program Is For

Our Foreign National Loan Programs are ideal for:

Non-U.S. citizens living abroad or temporarily in the U.S.
Investors looking to purchase U.S. real estate for rental or vacation purposes.
Buyers who don’t have established U.S. credit or income documentation but have strong international assets.
Business owners or high-net-worth individuals seeking portfolio diversification.

Program Highlights

Loan amounts up to $1,000,000 (higher limits available case-by-case)
Financing up to 75% Loan-to-Value (LTV) on purchase transactions
No U.S. credit score required — international credit reports accepted
Eligible for second homes and investment properties
Flexible income documentation — qualify using foreign income or asset verification
Multiple currencies accepted for asset verification and down payments
Visa holders and non-visa foreign nationals both eligible

Property Types Eligible

Single-family homes
Condominiums and townhomes
2–4 unit properties
Select condotel and resort properties (case-by-case basis)

Example Scenario

Purchase Price: $1,333,000
Loan Amount: $1,000,000
Estimated Rate Range: 6.99% – 7.37% (subject to lock date and profile)
Property Taxes: Approx. 1.25% ($1,389/mo)
Insurance: $120/mo
Estimated Monthly Payment: $7,800 – $8,100

(For illustration purposes only. Actual terms may vary based on qualifications and lender guidelines.)

Requirements at a Glance

Valid passport and foreign ID
Proof of foreign income or assets (bank statements, accountant letter, etc.)
Minimum 30% down payment
12 months of reserves typically required (some cases 6 months)

Why Choose Freedom Choice Lending

As an experienced mortgage brokerage, Freedom Choice Lending simplifies the entire cross-border financing process. Our team understands the unique needs of foreign investors and coordinates every step — from currency exchange to U.S. escrow closing.

Whether you’re purchasing a vacation home in California or expanding your global investment portfolio, we make it simple, secure, and seamless.

📞 Ready to Get Started?

Let our team help you finance your next U.S. property with confidence.
Schedule your free consultation today and discover how easy it can be to own property in America through Freedom Choice Lending.

Get Started Easy Application

Direct Line (562) 281-6163
Main Office (866) 587-6927
David Delgado – NMLS #349079
Presiden/CEO
Freedom Choice Lending
NMLS #1998153

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