Non-QM
Foreign National Loans
Unlock your investment potential in the U.S. real estate market with CMRE's Foreign National Loan program. Designed specifically for non-resident borrowers, our program offers competitive rates, starting at 7.5%, and flexible terms to help you achieve your property ownership goals. We provide a streamlined process tailored to your unique financial situation.
Program Benefits
Competitive interest rates starting at 7.5% for qualified borrowers.
Loan amounts available to finance a wide range of property values.
Simplified documentation process designed for foreign income and assets.
Finance investment properties and expand your real estate portfolio.
Avoid the complexities of traditional financing with our specialized Non-QM program.
Work with experienced loan officers who understand the needs of foreign national investors.
Program Highlights
Max LTV
80%
Min Credit Score
660
Max DTI
55%
Loan Amount Range
$100K - $3M
Amortization Options
Eligible Properties
- Single Family
- Condo
- Townhouse
- Multi-Family (1-4 units)
Program Requirements
Income Documentation
- •Verification of income through foreign tax returns or employer documentation.
- •Demonstration of stable income for the past two years.
- •Documentation translated into English, if necessary.
- •May require verification of funds transferability.
Asset Verification
- •Bank statements from foreign financial institutions.
- •Documentation of other assets, such as investment accounts.
- •Verification of sufficient funds for down payment, closing costs, and reserves.
- •Assets must be readily accessible and verifiable.
Insurance & Title
- •Hazard insurance policy to protect the property.
- •Flood insurance may be required depending on the property's location.
- •Title insurance to protect against title defects.
- •Proof of insurance coverage prior to closing.
Property Requirements
- •Minimum FICO score of 660 required.
- •Credit history, if available, from the borrower's country of origin.
- •Alternative credit data may be considered if a U.S. credit history is unavailable.
- •Explanation of any adverse credit events.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
A Foreign National Loan is a mortgage designed for individuals who are not U.S. citizens or permanent residents but wish to purchase property in the United States. These loans often have different requirements than traditional mortgages due to the complexities of verifying foreign income and assets.
You will typically need to provide documentation of your income (such as tax returns or employment letters), bank statements, asset verification, and a copy of your passport and visa. All documents may need to be translated into English.
Interest rates for Foreign National Loans are typically higher than those for traditional mortgages due to the increased risk associated with lending to foreign nationals. Our rates start at 7.5% and vary depending on your credit score, loan amount, and other factors. Contact us for a personalized rate quote.
The maximum LTV for our Foreign National Loan program is 80%, meaning you will need to provide a down payment of at least 20% of the property's purchase price.
Sam K.
Senior Loan Strategist
With over 15 years in the mortgage industry, Sam specializes in complex jumbo and non-qm financing solutions, helping clients navigate unique financial landscapes.
NMLS #12345 | Certified Mortgage Advisor (CMA)
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
