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Carlos Matos I Florida Direct Lenders
1st Florida Lending
Self-Employed Mortgage Loans
Carlos Matos CEO &FOUNDER Foreign National Loan What Is a Foreign National Loan? A foreign national loan is a home loan option for nonresidents of the United States who are looking to purchase a house, whether it be used as an investment property or second home while visiting. This program is designed to help foreign nationals in the U.S. navigate the unique challenges they may face throughout the course of the homebuying process. Do you Need a Social Security Number, Green Card, or Visa? No! Foreign national loans allow nonresidents to secure a mortgage without a Social Security number, green card, or visa. Additionally, borrowers are not required to have a FICO score to provide proof of credit. Instead, borrowers may demonstrate creditworthiness through alternative means or submit a credit report from their country of origin. Foreign national loans are also known as ITIN Loans or non-permanent resident alien loans. These types of programs make it possible for noncitizens in the U.S. to purchase property, even if they lack documentation that’s traditionally required to secure a home loan. A Foreign National Loan has different requirements from standard Fannie Mae or Freddie Mac loans. The down payment and interest rates are slightly higher 1st Florida Lending offers financing for non-resident aliens through our portfolio product line. Foreign National Loans can be complex so it’s important to work with an experience bi-lingual lender that truly understands how to overseas financial documents and how to analyze foreign credit and alternative trade lines. From application to closing, we will provide the guidance you need and even help you gather the appropriate documentation Can Foreign Nationals Get a Stated Mortgage in the U.S.? Yes, foreign nationals can get a no income and no employment Stated Mortgage in the United States. Highlights • 1 to 4-unit properties • Loans from $150K Min - $4Mil • Rates start at 4.75% (Full Doc) • 75 % LTV (PURCHASE) • 65% LTV (RATE & TERM REFI) • 65% LTV (CASH-OUT REFI) • Investment Property - No DSCR o Airbnb - VBR - OK o Short Term Rentals - OK o Short Term Vacation Home - OK • 5YR ARM, 7YR ARM, or 30 Fixed o Interest Only Available o All terms 30 year fully amortized • No income, job, or credit required • No Reserves in most loans • Foreign Nationals, Perm Resident Aliens and US Citizens Foreign National Loan 25% to 30% Down Payment Min Documents Required CLICK HERE TO REQUEST A QUOTE
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Foreign National Loan 25% to 30% Down Payment Min Documents Required CLICK HERE TO REQUEST A QUOTE
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