Foreign National Mortgage Loans

Home Financing for Non-U.S. Citizens

CTC Mortgage offers specialized loan programs for international buyers looking to purchase property in the United States. Whether you’re investing in a second home, vacation property, or rental, our Foreign National Loan options are designed to make homeownership in the U.S. accessible—even without a Social Security number or U.S. credit history.

Helping International Buyers Finance U.S. Homes

Foreign National Loans are designed specifically for non-U.S. citizens who wish to buy real estate in the United States. These loans are ideal for international buyers who do not have a U.S. credit profile, income history, or residency. Whether you’re purchasing an investment property or a vacation home, CTC Mortgage will help you navigate the process with ease.



We understand that traditional mortgages often aren’t an option for non-residents. Our Foreign National program bridges that gap—allowing you to secure financing and enjoy the benefits of owning property in the U.S.

Key Features of Foreign National Loans

These programs are tailored to accommodate the unique circumstances of international buyers. Key features include:



  • Down Payment Requirements: Typically 25–30% minimum down payment
  • No U.S. Credit Needed: Use international credit references or banking history
  • Foreign Income Accepted: Income and assets from your country of residence can be used to qualify
  • ITIN Loans (if applicable): In some cases, borrowers without a Social Security number may qualify using an Individual Taxpayer Identification Number (ITIN)
  • Higher Interest Rates: Rates are slightly higher due to limited borrower documentation and increased lender risk

Our team helps you compare options and ensures all documents meet underwriting standards—no U.S. financial footprint needed.

Requirements for Foreign Nationals

While loan programs vary slightly, most foreign national borrowers should be prepared to provide:


  • Valid passport and visa, or proof of permanent residence abroad
  • Proof of income/assets from your home country (bank statements, employment letter, etc.)
  • Down payment funds held in a U.S. bank account (seasoned for a specific period)
  • Property insurance and escrow, as well as tax reserve accounts
  • No U.S. credit history required, but financial references may be needed

CTC Mortgage provides a clear document checklist and helps international clients meet all requirements with confidence.

Property Types and Uses

Foreign nationals can typically finance the purchase of:



  • Second homes or vacation properties for personal use
  • Investment properties, including short- or long-term rentals

Note that most programs do not allow foreign national loans for U.S. primary residences unless residency or immigration is in process. Florida is one of the most popular destinations for international buyers, and our team is experienced in helping clients from across the globe purchase homes throughout the Sunshine State and beyond.

Our Process for International Clients

We make financing easy—even if you’re located overseas. Our streamlined process includes:



  • Remote communication via phone, email, or secure portals
  • Flexible hours and multilingual staff (if applicable)
  • A clear checklist of required documents with translation support
  • Personalized guidance through every step of the process

Our loan officers are familiar with the challenges international buyers face and are ready to help you finance a U.S. home smoothly and efficiently.

Additional Loan Options for Global & U.S.-Based Buyers

CTC Mortgage offers a full suite of mortgage programs, including solutions for non-residents and U.S.-based borrowers alike. Explore your options below:

Not sure where to start?

Contact our team and we’ll help you find the right program based on your citizenship, location, and goals.

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Faqs– Foreign National Mortgage Loans

Answers to common mortgage questions

  • Can a foreign national get a mortgage in the U.S.?

    Yes. Many lenders—including CTC Mortgage—offer special loan programs for foreign nationals. These programs are designed for buyers without U.S. credit, income, or residency. You’ll typically need a valid passport, proof of income/assets, and a 25–30% down payment.

  • Do I need a Social Security number or U.S. credit history to qualify?

    No. Foreign national loans do not require a U.S. credit score or Social Security number. Instead, lenders may review international credit reports or request financial letters of reference from foreign banks or institutions.

  • What types of properties can I buy with a foreign national loan?

    Most borrowers use these loans to purchase vacation homes or investment properties. Primary residences are usually not eligible unless the borrower plans to become a U.S. resident. Speak with a CTC loan officer about your goals to determine eligibility.

  • How much money do I need to put down as a non-resident buyer?

    Down payments typically range from 25% to 35% for foreign national mortgages. The exact amount depends on the loan program, your creditworthiness, and the property type. Having funds in a U.S.-based account in advance is often required.

  • Does CTC Mortgage work with international clients remotely?

    Yes. Our team regularly works with borrowers who live abroad. We can coordinate everything through email, phone, and secure digital platforms. You do not need to be physically present in the U.S. during every stage of the process.