Home Loans for Foreign Nationals

Bank of Internet USA offers highly competitive Home Loans for Foreign Nationals. We custom build mortgages to meet the unique needs of nonresident aliens in search of real estate financing. We offer a variety of mortgage options, and our experienced underwriting and production teams provide expert guidance throughout the loan process, including the acquisition of the necessary documentation.

Portfolio Loans for Nonresident Aliens

At Bank of Internet USA, we understand the special needs associated with providing portfolio loans to nonresident aliens, so we make .

Highlights of our foreign national home loan program include:

  • You do not need to have a Social Security number, Green Card, or visa to qualify for a portfolio loan.
  • No FICO score is required. We will accept foreign credit reports to demonstrate creditworthiness or satisfactory alternate credit from your country of origin.
  • Second Home: 60% LTV to $2 million, 55% LTV to $3 million, and 50% LTV to $5 million.
  • options are available.
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Program Overview

At Bank of Internet USA, real estate financing for nonresident aliens is a fundamental component of our . While such transactions can be complex, our experienced underwriting and production teams provide foreign nationals with the guidance they need, on a loan-by-loan basis, to compile the appropriate documentation and acquire the loan.

Important Information for Nonresident Aliens

  • The borrower is not required to have a Social Security number, Green Card, or visa.
  • The borrower is not required to have a FICO score. In lieu of a FICO score, the borrower may demonstrate creditworthiness or satisfactory alternate credit by submitting a credit report from his or her country of origin.
  • Second Home: 60% Loan-to-Value Ratio to $2 million; 55% Loan-to-Value Ratio to $3 million; 50% Loan-to-Value Ratio to $5 million.
  • Interest-only mortgage options are available.
  • Income documentation is required.
  • We require seasoned assets in a known verifiable financial institution. If the documentation is in a foreign language, it needs to be translated by a certified translator.
  • A valid passport and a second form of ID are required.
  • , with loan amounts of up to $5,000,000, are available. We will consider on a case by case basis.

The Bank of Internet USA Difference

A Common Sense Approach to Underwriting: We Want to Say Yes!

Our personalized approach to mortgage lending accommodates complex financial structures, high loan amounts, and unique properties. Our underwriting team looks beyond the numbers to consider each loan on its individual merits and determine its true value and risk. This approach enables us to tailor mortgage loans to the special needs of nonresident aliens.

Our Advanced Technology Allow Us to Make Faster Decisions

Bank of Internet USA is able to provide you with a 100-percent paperless loan submission and processing for your portfolio loan. This reduces turn times for approval and processing, creating a more streamlined and efficient loan process.

Dedicated Customer Service

Our team of will guide you through the loan approval process and structure a customized portfolio loan that best suits your unique financial needs. It is our pledge to provide you with exceptional customer service from the moment you apply for your loan through to your closing, and we will work tirelessly to ensure that your needs are met at every stage in between.

Apply for Your Portfolio Loan Today

Contact one of our Mortgage Consultants at 1-888-546-2634 today to discuss the possibility of obtaining a custom-crafted Portfolio Loan from Bank of Internet USA. Our foremost goal is to help as possible for you.