Foreign National Mortgage

Foreign National Mortgage

Purchase your investment property or vacation home in the US with an mbanc
Mortgage. No matter where you are from, entering the US real estate market is an excellent strategic financial decision to protect your hard-earned assets.

97% Pull-Through Rate

What is a “pull-through rate?” This is another way of saying that our word means something. 


When we tell you (or a realtor) that you are pre-approved for a loan, it means you are, in fact, pre-approved for a loan. 


Unlike other lenders, we won’t jeopardize your property deal or frustrate your realtor with meaningless pre-approval letters based on an online form. 


We do a thorough investigation of all the information you provide us. 97% of our official pre-approvals move on to full mortgage underwriting approval. (The other 3% are usually borrowers who change their mind about the property).


Our excellent results demonstrate our unwavering dedication to clients like you.

Try Our 2-Minute QuickQual

The mbanc team is a highly skilled Foreign National Mortgage lender

Companies that don’t specialize in Foreign National home loans lack the essential experience for a stress-free mortgage application process. The documentation to qualify for this program is clearly communicated to you and coupled with personalized guidance.

Mortgage amounts vary based on LTV, credit, and overall creditworthiness*
More reserves are required for mortgage amounts over $1,000,000.00**

How does a Foreign National Jumbo Mortgage work?

Jumbo mortgages are typically over $1,000,000. These mortgages are not connected to any government agency. Consider this mortgage if you do not live in the US but want to invest in luxury real estate.


Most traditional lenders require a social security number or some form of citizenship, allowing you to be in the US legally.


The mbanc Foreign National Mortgage program has no such requirements. An additional feature to this program is that you do not need to have US credit or an income source in the US and still qualify. 

I highly recommend this company. Being a realtor and a broker for 12+ years I have seen a lot of hard workers. I have to say Marites is definitely at the top of that list. She worked diligently to get my client to closing even though he had been turned down by previous lenders. Marites is a good one and I will certainly used her again in future real estate transactions!!

Diron C.

How the process works

If you're ready to enter the US real estate market, our specialists will guide you


Yes, I am ready to take the first step

The initial call with our lending team is free of charge. As with all of our clients (whether US residents or not), we will ask for documents that verify your identity, or assets to ensure your down payment, closing costs, and monthly loan payments.


Shop for your perfect USA property

For this exciting stage, Foreign National mortgages typically require 25% of the purchase price. For investment properties, we will share our mbanc Invest software results to measure how the property will perform as a short-term rental investment.


Complete the application & close the transaction

We guide you step-by-step to apply for approval. Usually, a loan approval only takes a few days! Once approved, we’ll provide a commitment letter outlining your mortgage loan terms. We will also go over this with you verbally.

Explore the range of mbanc mortgage solutions for Foreign Nationals

Mortgage Approval Made Simple

Aside from great mortgage programs, at mbanc, you’ll find enthusiastic and knowledgeable experts ready to offer you premier service.

Short-Term DSCR

Use your mortgage for a vacation rental purchase or refinance.

Rental Income DSCR

Investment properties can create wealth and income.

Bank Statement

Use one to two years of healthy bank statement deposits to qualify.

Interest-Only Mortgage

Investors love the tax benefits for offsetting mortgage interest.

Foreign National Mortgage

Connect with the mbanc team to get the best rates available to foreign nationals

Connect with the mbanc team to get the best rates available to foreign nationals

Frequently Asked Questions

Contact us for a complimentary quote on our competitive rates to discover your potential qualification amount.

Who is the Foreign National Jumbo Mortgage Program designed for?

It’s tailored for individuals who may not reside in the US but want to purchase or refinance a property.

Credit reference letters are testimonials or documents from financial institutions or lenders that vouch for your creditworthiness. For this program, at least 3 such letters are required to assess your financial reliability in the absence of traditional US-based credit reports.

It’s tailored for individuals who may not reside in the US but want to purchase or refinance a property.

To qualify for this program, you need to have owned a property, whether in the US or elsewhere, within the last 3 years. This requirement ensures a certain level of familiarity and experience with property ownership.

The Foreign National program offers loan amounts up to $1.5 million with a maximum loan-to-value (LTV) ratio of up to 75%, facilitating substantial financing options for investment properties.

Your specific mortgage rate is influenced by a range of elements: how you qualify for the loan, down payment / equity, loan terms. Reach out to us for a complimentary quote on our competitive rates for foreign national mortgages and discover your potential qualification amount.