A foreign national loan lets non-US residents purchase property in Arizona using foreign income and credit documentation instead of a Social Security number or US credit history.
Mountain Country Mortgage compares Foreign National lenders on your behalf, so international buyers can purchase a vacation home or investment property with confidence.
A foreign national loan is a Non-QM mortgage for borrowers who are not US citizens or permanent residents and do not have a US Social Security number or US-based credit history. It allows international buyers to finance US property using foreign income documentation and alternative credit references.
These loans typically require a larger down payment and carry somewhat higher rates than a conventional mortgage, reflecting the extra work involved in verifying income and credit from outside the US. A US bank account can simplify the process but is not always required.
Mountain Country Mortgage is a broker, not a lender. We compare Foreign National programs across our lender network and connect you with someone experienced in international transactions.
Northern Arizona’s mountain scenery and outdoor recreation draw real interest from international buyers looking for a vacation home or an investment property. That interest does not slow down just because a buyer lives outside the US.
Standard mortgage guidelines assume a US credit file and a Social Security number. A Foreign National program exists for buyers who have neither, but still want in on the region’s property market.
An investor living outside the US wanted a vacation property on the water in Lake Havasu City. A Foreign National program used foreign bank statements and a larger down payment to get the file approved, and the closing was handled remotely through a notary.
| Requirement | Typical Range |
|---|---|
| Residency Status | Non-US resident. Visa holders are reviewed case by case. |
| Identification | A valid passport, plus visa documentation if applicable. |
| Income Documentation | Foreign pay stubs, employer letters, or bank statements, with English translation if required. |
| Credit | A foreign credit report or alternative references. No US credit file required. |
| Down Payment | Typically 25% to 40%, depending on program and property type. |
| Property Type | Vacation home or investment property. Primary residence availability varies. |
We review your foreign credit report or alternative references, since a US score is not required.
We confirm your income documentation and match you with a lender experienced in international files.
Shop with a real budget in hand, whether you are buying remotely or in person.
We manage the file as the lender reviews your documentation, credit, and down payment.
Many closings can be coordinated remotely through a notary once underwriting clears.
A couple of quick stops before you go further, so you walk into your first conversation with a loan officer already prepared.
A plain-English walkthrough of the whole process, from checking your credit to closing day.
See every loan program Mountain Country Mortgage offers, from first-time buyer options to investor financing.
Yes. Foreign national programs are built for buyers who are not US residents.
Requirements and documentation differ from a standard US mortgage, but financing is available for eligible property types.
Not always, though some lenders prefer it.
You will need to show funds for your down payment and closing costs, which can typically come through foreign bank statements with an English translation.
Most programs are used for vacation homes and investment properties.
Primary residence eligibility is more limited. Condos, single-family homes, and small multi-unit properties are commonly financed.
Not necessarily.
Many foreign national transactions are handled remotely, with document signing through a notary or a US consulate. Your loan officer can explain the closing process for your situation.
Typically somewhat higher than a conventional loan.
Foreign national programs involve more complex underwriting and are not backed by Fannie Mae or Freddie Mac, so rates reflect that. The exact difference varies by lender and loan amount.
Foreign National is for non-US residents. ITIN is usually for US residents without an SSN.
ITIN borrowers typically live and work in the US and file taxes here. Foreign National borrowers live outside the US and qualify off foreign income and credit instead.
Often yes, as long as the funds are properly documented.
Lenders want a clear paper trail showing where the money came from and how it was transferred, sometimes including a notarized gift letter. Your loan officer will confirm exactly what a specific lender needs.