Foreign National Mortgage Loans
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Last updated: 08/2025
Welcome to TopOne Mortgage—your Rockville‑based correspondent lender with bilingual support and in‑house funding for smooth, fast closings. We specialize in financing U.S. property for non‑resident buyers, offering flexible solutions without the need for U.S. credit or income history.
What Is a Foreign National Loan?
National Loan helps non-resident, non‑U.S. citizens purchase or invest in U.S. real estate. These programs are tailored for clients who live abroad but want to buy property in Maryland, Northern Virginia, or Washington, D.C.—no SSN, green card, or U.S. income required.
- No U.S. credit required: We use international credit reports, bank references, or asset statements from your home country.
- Passport + visa eligibility: Valid passport required; eligible visa types include B1/B2, E‑2, L‑1, H‑1B, and others.
- Down payment: Typically 25 %–35 % down; some programs offer lower LTVs with strong reserves.
- Loan amounts: Available from $150,000 to $3 million+.
- Property types: 1–4 unit homes, condos, and investment properties (short‑term rentals allowed).
- Income verification: Not required—many programs use asset‑based underwriting or rental income.
- Eligible borrowers: Foreign nationals who live outside the U.S. and have no established U.S. credit or income.
- Limited documentation: No SSN, U.S. income, or U.S. tax returns needed.
Why Choose a Foreign National Loan from TopOne?
- Specialized programs for global buyers: We work with lenders who understand cross‑border finance and offer custom solutions for international clients.
- No U.S. credit required: We accept foreign credit reports, international bank statements, or letter‑of‑reference in lieu of FICO.
- Down payment flexibility: Most programs start at 25 % down, with options to go lower based on reserves and property type.
- Investor‑friendly options: Buy in your personal name, LLC, or trust—DSCR‑qualifying rental income accepted.
- Bilingual team: Our multilingual staff ensures nothing is lost in translation—service available in English, Mandarin, and Spanish.
- Streamlined process: E‑sign disclosures and wire transfers make it easy to close from abroad.
- Title & closing coordination: We partner with escrow companies that work seamlessly with international clients.
- No U.S. income, SSN, or green card required: Our programs are specifically designed for non‑resident foreign nationals.