Foreign Nationals

Foreign National Program

Are you a foreign national looking to buy a home in Florida? We offer foreign national mortgage loans with no credit required and a 25% down payment. We understand that it can be difficult to qualify for a mortgage if you are not an American citizen or if you do not have a credit history in the United States. However, our foreign national mortgage loans make it possible for you to buy a home in Florida, even if you do not meet the traditional lending criteria.

What is a Foreign National mortgage loan?

A Foreign National mortgage loan is a type of loan available to borrowers who are not citizens or permanent residents of the United States. Borrowers must have one of the following visas: B-1, B-2, H-2, H-3, I, J-1, J-2, O-2, P-1, or P-2, or reside in a Visa Waiver Program country. Borrowers must also live and work in their home country, and cannot live or work in the US.

To qualify for a Foreign National mortgage loan, borrowers must meet the following requirements:

They must qualify under the lender's ICF/DSCR program. This means that the property must generate enough cash flow to cover the mortgage payments and other expenses.
They can only borrow against non-owner occupied residences.
They can use the loan to purchase, refinance, or cash out on a property.

Why choose a Foreign National mortgage loan?

Foreign National mortgage loans can be a good option for borrowers who are not citizens or permanent residents of the United States, but who want to purchase or invest in real estate in the US. Foreign National mortgage loans can also be a good option for borrowers who have a good credit history and financial track record, but who may not have a traditional job or income.

If you are considering a Foreign National mortgage loan, be sure to shop around and compare offers from different lenders. It is also important to have a pre-approval in place before you start shopping for a home, so that you know how much money you can borrow.

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If you are a citizen of another country, we offer creative foreign national loan products to help you purchase property in Florida.

Foreign National Loan Benefits

1 Day Approval

No US Credit Required

Up to 75% LTV - Full Doc

DSCR Up tp 70% CLTV

We do not require proof income from a US employer

6 Months Reserves Required

No Prepayment Penalty Options

Less Documentation

Second Home / Investment

No Mortgage Insurance Premium

Single Family / Condo / Townhouse

CPA Letter - Last 2 Years plus Year to Date

Can Close in LLC and Corporations

Minimum Loan Amount $100,000

Fast Closings

Low Closing Costs

Loan Amount up to $2 millions

Gift Funds Allowed

Closing in LLC

High DTI Ratios

Purchase / Refinance / Cash-Out

RON., Embassy closing available

Low Down
Payment Programs
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(305) 336-2403

apply@klickmortgage.com