FOREIGN NATIONAL LOAN

Foreign National Loan Program: Buying a Home in the US Made Easy

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Are you looking to buy a home in the United States but not a US citizen? No problem! Our Foreign National Loan Program is designed to simplify the home-buying process for non-US citizens. While the guidelines differ from conventional, conforming, and federally insured loan programs, we are confident that our program can meet your needs.

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Key Features of Our Foreign National Loan Program

• Competitive Interest Rates

  • Our program offers highly competitive interest rates to help you achieve your homeownership goals.

• Flexible Borrowing Amounts

  • Borrow up to $750,000 per property (minimum loan amount: $100,000).

• Variety of Fixed Rate Terms

  • Choose from multiple fixed-rate terms: 10, 15, 20, 25, or 30 years.

• Adjustable Rate Options

  • Available adjustable-rate terms include 5/1, 7/1, and 10/1 ARMs.

• Versatile Usage

  • Use the loan to purchase a new home or refinance your existing one.

• Debt-to-Income Ratio

  • Debt-to-income ratios are capped at 50% with an "Assets for income" option available.

• No Pre-Payment Penalties

  • Pay off your loan early without any penalties.

• Generous Loan-to-Value (LTV) Ratio

  • Finance up to 75% of the property's value (e.g., for a $500,000 home, you can borrow up to $375,000).

• Eligibility for Various Property Types

  • This program is available for single-family homes, condos, and townhouses.

• Manual Underwriting

  • All loans are manually underwritten to ensure personalized service.

• Self-Employed Borrowers Welcome

  • The program is available to self-employed foreign national borrowers.

• Seller Concessions

  • Some seller concessions are allowed (maximum 6% up to 65% LTV).

• Required Escrows

  • Taxes and insurance escrows are mandatory.

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Contact us today to learn more about how our Foreign National Loan Program can help you purchase or refinance a home in the United States.