WHAT IS A FOREIGN NATIONALS FULL DOC LOAN?
This loan is for foreign nationals who can provide full documentation of their overseas income. It is an excellent fit for international borrowers who want to purchase or refinance property in the U.S. while providing proof of steady income.
FOREIGN NATIONALS FULL DOC
LOAN OVERVIEW:
The Foreign Nationals Full Doc loan is designed for international borrowers who have verifiable income, employment, and assets — even if all documentation comes from outside the U.S. This program allows underwriters to use foreign bank statements, employment verification, and tax documents to determine eligibility.
It’s an excellent option for non-U.S. citizens who are looking to purchase or refinance property in the United States using full documentation. While traditional mortgage programs may not recognize foreign income, this product is structured to accept international financial records with proper translation and validation.
Borrowers who can fully document their income and assets can access competitive rates, higher loan amounts, and broader qualification opportunities — making this program ideal for global professionals, business owners, or high-net-worth individuals seeking U.S. real estate ownership.
PROGRAM BENEFITS
- Loan amounts available up to $3 million, suitable for high-value U.S. real estate purchases or refinances
- Foreign income and overseas assets can be used for qualification, expanding access to international buyers
- Remote Online Notarization (RON) is allowed, making it easier for borrowers to close from outside the U.S.
- Available for both purchase and refinance transactions
- Offers more favorable pricing and terms for borrowers who can document their full financial profile
REQUIREMENTS
- No FICO score required, though a minimum FICO of 660 may apply for certain structures
- Up to 75% CLTV depending on borrower profile and documentation strength
- Must provide full income and employment documentation from the borrower's home country, including translations if needed
- Borrower must meet minimum asset and reserve requirements to ensure repayment ability
- Valid passport and visa or entry documentation required
LOAN OPTIONS:
The Foreign Nationals Full Doc loan is ideal for international buyers who prefer a more traditional underwriting approach using fully documented income and assets.
This program is a great fit for borrowers who earn income abroad but want to invest in U.S. real estate. With the ability to verify employment, income, and assets through foreign documentation, it opens the door to competitive terms and higher loan amounts.
These loans can be used to purchase or refinance a second home, vacation property, or long-term investment property, making them a flexible option for global professionals and high-net-worth individuals looking to diversify into the U.S. housing market.
How Do You Qualify for a Foreign Nationals Full Doc Loan?
Start by contacting our team at (213) 810-2091. We’ll help you understand the documentation needed and confirm if this loan fits your financial profile.
To qualify, borrowers must provide verifiable income, employment, and assets — even if those documents are issued outside the U.S. Acceptable documentation includes foreign tax returns, pay statements, employment letters, and bank records, typically accompanied by certified translations.
A valid passport and visa or entry stamp is required, and the borrower must meet minimum credit, reserve, and CLTV guidelines. This program is ideal for international buyers who can fully document their finances and are looking for a straightforward path to U.S. property ownership.
HOW LOW WILL YOUR PAYMENT BE?