What is a Foreign National Mortgage Loan?
Exclusive Financing for Global Earners Investing in U.S. Real Estate
If you’re a high-net-worth individual living outside the United States, you’ve likely recognized the value of investing in U.S. real estate. Whether it’s the strength of the U.S. dollar, the appreciation of property values, or the unmatched access to high-performing rental markets—U.S. real estate is a clear opportunity for smart, globally minded investors.
But the challenge is real: most traditional banks in the U.S. will not lend to foreign nationals without U.S. tax returns, a Social Security Number, or domestic income. And in your home country, lenders don’t offer U.S.-based mortgage solutions.
That’s where Mbanc’s Foreign National Mortgage Program changes the game.
We offer Non-QM (Non-Qualified Mortgage) loans specifically designed for non-resident borrowers—people who earn well, have significant assets, but lack access to U.S. credit or tax documentation.
Our program makes it possible to purchase or refinance U.S. real estate with no U.S. income, no tax returns, and no Social Security Number required.
What is a Foreign National Mortgage Loan?
A Foreign National Mortgage Loan is a U.S.-based mortgage specifically designed for non-residents who want to buy or refinance property in the United States.
Unlike traditional mortgage programs, a Foreign National loan:
- Does not require a U.S. credit score
- Does not require a Social Security Number
- Does not require U.S. income or tax returns
Instead, you qualify based on your international income, assets, and credit profile. We use common-sense underwriting, tailored to your global financial footprint.
Who is a Foreign National Loan For?
Foreign national loans are specifically designed for individuals who are not permanent residents or citizens of the United States but have the financial capacity to invest. This includes:
- Non-US Residents: Anyone living outside the United States.
- Investors: Those looking to diversify their investment portfolios.
No matter where you reside in the world, if you have the available assets, you can leverage foreign national loans to tap into the robust US real estate market.
What Can You Use a Foreign National Loan For?
- Purchase a U.S. property (primary, second home, or investment)
- Refinance an existing U.S. mortgage to secure better terms or rates
- Cash out equity for reinvestment, diversification, or wealth preservation
- Build or grow a U.S.-based real estate portfolio
You gain the power to leverage U.S. assets, earn in U.S. dollars, and expand your global holdings—all without converting your personal financial structure.
Key Benefits of the Foreign National Mortgage Loan with Mbanc
1. No U.S. Documents Required
We do not require U.S. tax returns, W-2s, or a Social Security Number. Your qualification is based on your financial strength as a foreign national.
2. Use International Credit and Income
We accept:
- Canadian credit reports
- International bank statements
- CPA letters or proof of business ownership
- Global assets and investment accounts
3. Fast, Reliable Pre-Approval
Mbanc can issue a strong pre-approval in as little as 24–48 hours, giving you the confidence to make offers or move quickly on investment opportunities.
4. Loan Amounts Up to $3 Million
Finance luxury homes, investment properties, or refinance high-value real estate with flexible jumbo loan options.
5. Cash-Out Available
Access your property’s equity without triggering a sale or cross-border tax liability.
6. Flexible Loan Options
Choose from fixed, adjustable, and interest-only mortgage structures—based on your financial goals.
7. Close Without Traveling to the U.S.
We support remote closings through trusted title partners and notaries, so you never have to leave your home country to complete the transaction.
How does the Mbanc Process Work?
Step 1: Strategic Consultation and Pre-Qualification
The process begins with a one-on-one conversation with an Mbanc mortgage advisor who specializes in working with Canadian borrowers. During this initial strategy session, we’ll gain a deep understanding of your goals, financial profile, and ideal investment outcome.
We’ll look at:
- The property type you’re purchasing (primary residence, vacation home, or investment property)
- Your business or income structure
- Your credit profile in Canada or abroad
- How you plan to hold the property (personally, via corporation, or trust)
Based on this discovery process, we pre-qualify you for the right Non-QM loan product without requiring documents you may not have.
You do NOT need:
- A U.S. credit score
- A Social Security Number (SSN)
- U.S. income verification
- U.S. tax returns
Instead, we review your Canadian income, banking relationships, and asset strength to issue a pre-qualification decision in as little as 24 to 48 hours.
Step 2: Choose the Right Non-QM Loan Program
Mbanc offers a full suite of flexible, private Non-QM loans tailored to Canadian Foreign Nationals. Your mortgage advisor will guide you to the ideal product based on your personal financial structure and the goals of your purchase.
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Popular options include:
- Foreign National Loans
No U.S. documents required. Use Canadian income, credit, and bank statements to qualify. Available for primary, secondary, and investment properties. - Bank Statement Loans
Use 12 to 24 months of Canadian business or personal bank statements instead of tax returns to verify income. - DSCR (Debt-Service Coverage Ratio) Loans
Approval is based solely on the income the U.S. property generates—not your personal income. Perfect for rental property purchases. - Asset-Based Loans
Qualify based on liquid investment portfolios, retirement accounts, or other cash-equivalent holdings—ideal for high-net-worth individuals who prefer not to disclose business income.
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We also offer interest-only and jumbo options for qualified borrowers seeking payment flexibility or higher property values.
Step 3: Streamlined Document Collection
Once the loan product is selected and you’re ready to move forward, we gather minimal documentation—focused, relevant, and specific to your Canadian financial profile.
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Typical requirements include:
- Valid Canadian passport or ID
- Canadian credit report (Equifax or TransUnion)
- Bank or brokerage statements
- CPA letter or proof of business income (if applicable)
- Property ownership and rental income details
- Existing mortgage statements
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We only request what is necessary. There are no unnecessary hurdles or redundant paperwork.
Step 4: Pre-Approval and Property Search
With your financial review complete, we issue a formal pre-approval letter that empowers you to make offers with confidence. This letter holds weight in U.S. markets and shows agents and sellers you are ready to close, with financing already secured through a trusted lender.
We also provide you with an outline of the final loan structure, projected monthly payments, and closing timeline.
Whether you’re shopping in Florida, Arizona, California, or Texas, you’ll move forward knowing your financing is already in motion.
Step 5: Appraisal, Underwriting, and Final Approval
Once you’ve identified and gone under contract on a U.S. property, we move into the appraisal and underwriting phase.
Here’s where Mbanc stands apart.
Unlike traditional lenders, our underwriters specialize in non-resident borrowers. We don’t waste time on back-and-forth requests for irrelevant documents. We already understand your file.
We order an independent U.S. appraisal, complete all compliance checks, and finalize your approval quickly and efficiently.
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At this stage, we review:
- Property valuation
- Your qualifying income or asset documentation
- Title and escrow setup
- Any remaining legal or ownership structure details
Final approval is typically issued within a few days after the appraisal.
Step 5: Closing and Cash-Out
Once your file is cleared to close, we coordinate everything with your title or escrow company. If you’re outside of the U.S., you can close remotely with e-signatures or local notary support.
After the final signing:
- Your loan is funded
- Ownership is transferred
- You officially own U.S. property
If you’re using a cash-out strategy or refinancing an existing U.S. property, funds are wired into your U.S. account or investment vehicle of choice—no tax-triggering sale required.
Why Foreign Nationals Choose Mbanc
- We specialize in Non-QM lending for non-residents
- We understand international credit, asset, and income structures
- We offer private, efficient, and high-touch service
- We know how to close complex cross-border loans without delays
If your local bank can’t help, and traditional U.S. lenders say no, Mbanc says yes—because we’ve built our platform for borrowers like you.
Own in the U.S. Without Changing How You Earn
With Mbanc’s Foreign National Loan Program, you don’t need to change your business structure, file in a new country, or convert your wealth just to qualify for a mortgage.
You’ve already built your success. Let us help you leverage it into global ownership.
Reach out to Mbanc today to speak with a cross-border mortgage advisor and take the first step toward purchasing or refinancing U.S. real estate with confidence.
Mbanc – Built for the globally connected, financially capable, and ready to invest without borders.
MBANC’s
97% Pull-Through Rate: Confidence You Can Count On
What does a 97% pull-through rate mean for you? It means when we say you’re pre-approved, we truly mean it. Our pre-approvals aren’t just empty promises based on automated forms; they’re backed by thorough, expert evaluations of your information.
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We respect your time, your realtor’s efforts, and the importance of your property deal. With Mbanc, you can confidently move forward knowing that our pre-approved borrowers successfully reach full underwriting approval.
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Ready to experience the difference? Apply today and let Mbanc show you what true commitment looks like.
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