Non-QM by JoeFairway Home Mortgage

🌎 Foreign National Loans

Invest in U.S. real estate from anywhere on Earth.

Non-resident investors buy U.S. real estate every day, and none of them have a FICO score. Foreign national programs are built around that reality: qualification leans on the property (usually DSCR-style), foreign credit references, and verified assets.

Run the DSCR calculator💬 Ask Joe about foreign national loans

Is this you?

Foreign National Loans tend to be a great fit for…

  • Non-resident investors buying U.S. rental property
  • International buyers wanting a second home stateside
  • Buyers with income and credit history outside the U.S.
  • Entity purchases by foreign-owned LLCs
I live in Toronto and want a rental property in the Twin Cities. Every U.S. lender asks for a credit score I don’t have
Right — you need a program that never asks. Foreign national DSCR qualifies the property on its rent, and your Canadian bank references cover the rest. Cross-border closings have a few extra steps, but they’re well-worn ones. Text me and I’ll walk you through it.

Questions friends actually ask

Foreign National Loans: straight answers

How do I qualify without U.S. credit?

Most programs use a DSCR structure — the property’s rent covers the payment — plus foreign credit reference letters from your home-country banks and documented assets. Some accept foreign income documentation translated and converted.

What visa or status do I need?

Foreign national programs are designed for non-residents — typically a valid passport and, where applicable, a visa (like B-1/B-2) covers it. You do not need a green card, SSN, or ITIN on most programs.

Can I close from abroad?

Usually yes — via power of attorney or remote/embassy notarization, depending on the title company and program. Funds must arrive from documented accounts, so plan wire timelines early.

What are the typical terms?

Expect larger down payments (commonly 25–30%), reserve requirements of several months, and pricing above domestic conventional. The tradeoff buys access to U.S. real estate without a U.S. financial identity.

Keep exploring

DSCR Loans

Investor loans where the rental income covers the payment. No personal income docs, no tax returns, no DTI.

Learn more →

Bank Statement Loans

Qualify with 12–24 months of business or personal bank statements instead of tax returns. Built for the self-employed.

Learn more →

1099 Income Loans

Qualify using 1–2 years of 1099 forms — no tax returns, no profit-and-loss gymnastics.

Learn more →

Not sure if foreign national loans are right for you?

That’s literally what Joe is for. One conversation, all nine programs side by side, zero pressure to move forward.

💬 Text Joe: 651-245-4963Apply with Joe