Beyond Financing, Inc.
(857) 410-1391

Foreign National Mortgage Loans: Financing U.S. Property From Abroad

Many international buyers, including families in Brazil and other countries, want to own property in the United States as a second home or an investment. A foreign national mortgage lets a buyer who does not live in the U.S. and does not have U.S. credit finance that purchase. Beyond Financing, Inc. helps foreign national buyers compare lenders who offer these programs, with service in English and Portuguese.

Who foreign national loans are for

  • Buyers who live outside the United States
  • Buyers purchasing a second home or an investment property (these programs generally do not finance a primary residence)
  • Investors buying short-term or long-term rental properties

What lenders typically require

  • Valid passport and, depending on the lender, a visa or other identification
  • Proof of income or assets – documentation from your home country, sometimes translated; some investor programs qualify using the property's rental income instead
  • International credit references in place of a U.S. credit score
  • Down payment and reserves – foreign national programs require a significant down payment; the amount depends on the lender and property
  • U.S. bank account – funds for closing usually need to be in a U.S. account before closing

Why work with a broker

Foreign national guidelines differ a lot from lender to lender, including which countries' documents are accepted and how rental income is counted. As a broker, Beyond Financing compares several wholesale lenders so you do not have to apply to each one yourself. We are licensed in Massachusetts, Florida and several other states; see our Licensing page for the full list.

Related: DSCR loans for investors · Financiamento para estrangeiros em português

Frequently asked questions

Can a foreign national get a mortgage in the United States?

Yes. Specialized lenders offer foreign national mortgages for second homes and investment properties to buyers who live outside the U.S. and may not have U.S. credit. Beyond Financing, Inc. (NMLS #2394496) helps buyers compare these programs.

Can I buy a home in Florida or Massachusetts from Brazil?

Many foreign national buyers purchase in the U.S. from abroad. Beyond Financing is licensed in Massachusetts and Florida, among other states, and serves Brazilian buyers in Portuguese.

Do I need a U.S. credit score for a foreign national loan?

Usually not. Lenders typically accept international credit references and documentation of income or assets instead.

Talk to a Beyond Financing loan officer: (857) 410-1391 · Apply now · Send us a message · Atendimento em português

Beyond Financing, Inc. | NMLS #2394496 | 999 Broadway, Suite 500-N, Saugus, MA 01906 | (857) 410-1391. Mortgage Broker only in CA, CT and MA; Mortgage Broker and Correspondent Lender in FL, NH, NC, RI, SC and TX. See our Licensing page and NMLS Consumer Access. Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval, property approval, underwriting guidelines and program availability, and terms may change without notice. Not all applicants will qualify. Program availability varies by state.