Mortgages For Foreign National Buyers
Delivering a Seamless Mortgage Experience
From Application to Closing
Why chose MBanc? We get it done.
At Mbanc, our concierge mortgage services are designed to simplify U.S. real estate financing for foreign investors. With a global network of international partners and extensive experience working with clients from Canada, Europe, Asia, and beyond, we understand the complexities of cross-border transactions. Our exclusive loan programs are tailored to eliminate common barriers—offering streamlined approvals, flexible terms, and a seamless lending process. Whether you’re a first-time foreign investor or expanding your global portfolio, Mbanc provides the expertise and white-glove service needed to make investing in U.S. real estate effortless.


Why invest in US real estate?
Stable and Secure Market – The U.S. real estate market is known for its stability, strong legal protections, and transparent property ownership rights.
High Rental Demand – Major cities and growing markets offer strong rental demand, providing consistent income opportunities.
Potential for Appreciation – U.S. markets experience steady property value appreciation, increasing long-term returns.
Tax Benefits – With proper structuring, investors can take advantage of deductions, depreciation, and tax treaties that may reduce liabilities.
Portfolio Diversification – Investing in U.S. real estate allows global investors to diversify assets beyond their home country’s economy.
No Residency Requirement – Foreign investors can own U.S. real estate without citizenship or residency status.
Mbanc Financing Benefits

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.
- No Credit Score Required
- Loan amounts up to $2m
- LTV up to 75
- Purchase or refinance
- Max $500k cash-in-hand
- Short-term or long-term rental income allowed
- Fixed Rate Terms: 15, 30, 40-years
- Interest-only options available
- Warrantable and non-warrantable condo and condotel programs are available
Mortgage amounts vary based on LTV, credit, and overall creditworthiness* More reserves are required for mortgage amounts over $1,000,000.00**
Calculate your Cash Flow
Total Monthly Payment: 0
Monthly Interest: 0
Monthly Principal Interest: 0
Monthly Property Tax: 0
Monthly PMI: 0
Monthly Home Insurance: 0
Total Payments: 0
Your Key to Smarter Real Estate Investments!
Our Mortgage Calculator is a powerful tool designed to help real estate investors make informed financial decisions. Whether you’re purchasing your first investment property or expanding your portfolio, this tool gives you instant insights into your financing options.
Estimate Monthly Payments – Quickly calculate your mortgage payments, including principal, interest, taxes, and insurance.
Compare Loan Scenarios – Adjust loan amounts, interest rates, and terms to see how different options impact your investment.
Assess Cash Flow & ROI – Understand potential rental income versus expenses to ensure a profitable investment.
Plan for Down Payments – Determine the best financing strategy based on your budget and investment goals.
Make Confident Investment Decisions – Back your real estate strategy with accurate, real-time financial insights
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.
Interest-Only Mortgage
Investors love the tax benefits for offsetting mortgage interest.
Got Questions?
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.
What do you mean by "credit reference letters," and why are they needed?
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.
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.
I haven't owned a property in the US before. Can I still qualify for this program?
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.
What is the maximum loan amount and LTV ratio under the Foreign Natinoal Mortgage program?
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.
What are the rates for Foreign National Mortgage?
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.
MBANC, A MORTGAGE LENDER. MORTGAGE BANK OF CALIFORNIA DBA MBANC. NMLS ID # 38232 (NMLS CONSUMER ACCESS SITE). ARIZONA MORTGAGE BANKER LICENSE – LICENSE # 0943170. CALIFORNIA – DBO FINANCE LENDERS LAW LICENSE – LICENSE # 60DBO45280. CALIFORNIA – DRE REAL ESTATE CORPORATION LICENSE ENDORSEMENT – LICENSE # 01521655. COLORADO MORTGAGE COMPANY REGISTRATION – REGULATED BY THE DIVISION OF REAL ESTATE. CONNECTICUT MORTGAGE LENDER LICENSE – LICENSE # ML-38232. DISTRICT OF COLUMBIA MORTGAGE DUAL AUTHORITY LICENSE – LICENSE # MLB38232. FLORIDA MORTGAGE LENDER LICENSE – LICENSE # MLD1287. GEORGIA MORTGAGE LENDER LICENSE/REGISTRATION – LICENSE # 48090 (DBA MBOC HOME LOANS). HAWAII MORTGAGE LOAN ORIGINATOR COMPANY LICENSE – LICENSE # HI-38232 (DBA MBOC HOME LOANS). IDAHO MORTGAGE BROKER/LENDER LICENSE – LICENSE # MBL-2080038232. ILLINOIS RESIDENTIAL MORTGAGE LICENSE – LICENSE # MB.6761396. MARYLAND MORTGAGE LENDER LICENSE – LICENSE # 21870. MICHIGAN 1ST MORTGAGE BROKER/LENDER LICENSE – LICENSE # FL0022526. NEW JERSEY RESIDENTIAL MORTGAGE LENDER LICENSE – REGULATED BY THE DEPARTMENT OF BANKING & INSURANCE. NORTH CAROLINA MORTGAGE LENDER LICENSE – LICENSE # L-183446. OHIO RESIDENTIAL MORTGAGE LENDING ACT CERTIFICATE OF REGISTRATION – LICENSE # RM.804374.000. OREGON MORTGAGE LENDING LICENSE – LICENSE # ML-5804. PENNSYLVANIA MORTGAGE LENDER LICENSE – LICENSE # 71003. SOUTH CAROLINA-BFI MORTGAGE LENDER / SERVICER LICENSE – LICENSE # MLS – 38232, MLS – 38232 OTN #1 (DBA MBOC HOME LOANS). TENNESSEE MORTGAGE LICENSE – LICENSE # 178934. TEXAS – SML MORTGAGE BANKER REGISTRATION – REGULATED BY THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. UTAH MORTGAGE ENTITY LICENSE – LICENSE # 10877496, 10826912, 10827018. VIRGINIA LENDER LICENSE – LICENSE # MC-6638. WASHINGTON CONSUMER LOAN COMPANY LICENSE – LICENSE # CL-38232. WYOMING MORTGAGE LENDER/BROKER LICENSE – LICENSE # 3912. NMLS CONSUMER ACCESS SITE NEITHER MBANC NOR MORTGAGE BANK OF CALIFORNIA IS A CHARTERED BANK OR TRUST COMPANY, OR DEPOSITORY INSTITUTION. THEY ARE NOT AUTHORIZED TO ACCEPT DEPOSITS OR TRUST ACCOUNTS AND ARE NOT LICENSED OR REGULATED BY ANY STATE OR FEDERAL BANKING AUTHORITY. APR of 6.627% BASED ON AN INVESTMENT PROPERTY CASH OUT 60% LTV WITH A FICO OF 688 ON A POSITIVE DEBT SERVICE TRANSACTION WITH 1% ORIGINATION FEE WITH A LOAN AMOUNT OF 177K APR OF 7.757% BASED ON A PRIMARY PROPERTY CASH OUT AT 55% LTV WITH A FICO OF 652 ON A 24 MO BUSINESS BANK STATEMENT TRANSACTION WITH A $9000 ORIGINATION FEE WITH A LOAN AMOUNT OF 605K APR OF 7.275% BASED ON AN INVESTMENT PROPERTY PURCHASE AT 75% LTV WITH A FICO OF 762 ON A NEGATIVE DEBT SERVICE TRANSACTION WITH 1.25% ORIGINATION FEE WITH A LOAN AMOUNT OF 1,269,750 APR OF 5.298% BASED ON A PRIMARY PROPERTY PURCHASE AT 80% LTV WITH A FICO OF 773 ON A 12 MO BANK STATEMENT TRANSACTION WITH A 2% ORIGINATION FEE WITH A LOAN AMOUNT OF 184K THE ABOVE INFORMATION IS BASED ON SPECIFIC SCENARIONS. RATES AND FEES ARE SUBJECT TO CHANGE AND BORROWERS MUST MEET GUIDELINE CRITERIA TO QUALIFY.