Foreign National w/ U.S. Credit
Better Terms for Established International Investors.
Loan Amount
Up to $5M
LTV
Up to 80%
Term
30 Years
Seasoning
None Required
Program Overview
Our Foreign National with U.S. Credit program rewards international investors who have taken the step to establish credit in the United States. Because you have a verifiable U.S. credit history, you qualify for significantly better terms than our standard Foreign National program — including higher loan-to-value ratios, lower interest rates, and no seasoning requirements. This program bridges the gap between our Foreign National and domestic investor programs, giving you near-parity terms while still accommodating your international status.
Loan Terms
Eligibility
Eligible Property Types
How Investors Use This Program
Higher Leverage Purchases
With up to 80% LTV on purchases, you need less capital upfront compared to our standard Foreign National program. Stretch your investment dollars further with better leverage.
Cash-Out Refinance
Access up to 75% of your property's value through cash-out refinancing with no seasoning requirements. Recycle your equity into new deals immediately after acquisition.
Portfolio Scaling
Your established U.S. credit history unlocks better rates and terms, making it more cost-effective to scale your American real estate portfolio with multiple properties.
Frequently Asked Questions
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Fast Closing
As fast as 14 days
Competitive Rates
Starting at 5.5%
Direct Lender
No middlemen, no delays
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