Expert non-QM mortgage insights for self-employed borrowers, real estate investors, and high-net-worth buyers. Market updates, borrower guides, and strategies from America’s #1 consumer-direct non-QM lender.
European foreign national buyers in the US have a profile that differs meaningfully from Latin American buyers: they often arrive with some US financial infrastructure
The 640 US credit score is the most common barrier separating foreign nationals from US mortgage qualification — not their wealth, not their assets, not
The US visa requirement for foreign national mortgages is straightforward: you need a valid, currently active US visa at the time of application. The visa
Latin American nationals represent the largest and most active foreign national real estate buying community in the US. Their destinations: Miami (the dominant market), Dallas,
The ITIN mortgage — a US mortgage application using an Individual Taxpayer Identification Number rather than a Social Security Number — is the standard pathway
Middle Eastern investors — primarily from the UAE, Saudi Arabia, Kuwait, and Qatar — represent a growing segment of the US foreign national real estate
Canadian nationals are uniquely positioned in the US foreign national real estate market. They have: TN visa access: The USMCA (formerly NAFTA) TN visa allows
The core difference between a foreign national and a US citizen mortgage comes down to one question: what income can you document in a way