Loan purpose
- Purchase
- Rate/term refinance
- Cash-out refinance
Programs
Foreign National
You can finance U.S. homes without a domestic credit file being the centerpiece—we work with international clients under visa and identification rules that still require an SSN or ITIN on file.
Quick highlights
Snapshot of limits and requirements. Figures match program guidelines-your officer confirms overlays.
Loan amount
$500,000 through $20 million
LTV
60% LTV cap
Credit
U.S. credit history not required
ID
SSN or ITIN mandatory
Occupancy
Second home or investment
Program guidelines
Loan term
- 5/6 SOFR ARM
- 7/6 SOFR ARM
- 10/6 SOFR ARM
Loan amount
- $500,000 up to $20 million
Loan to value (LTV)
- Maximum LTV: 60%
Minimum credit score
- U.S. credit not required (SSN or ITIN mandatory)
Property type
- Second homes
- Investment properties
Key features & detail
Cross-border eligibility hinges on visa status—here is the program rule in one line.
- NRA (Non-Resident Aliens) allowed with valid Visa
Need help choosing the right program?
Speak with our team for guidance tailored to your financing scenario.