What is a Foreign National Loan?

Benefits of Foreign National Loans

Access to U.S. Real Estate Market: Our foreign national loan programs provide international buyers with the opportunity to invest in U.S. real estate, taking advantage of the strong and stable market.

No U.S. Credit Required: We understand that international investors may not have a U.S. credit history. Our loan programs are designed to accommodate this, focusing on other factors such as international credit reports, bank statements, and asset verification.

Streamlined Process: Our team is experienced in handling the unique documentation and requirements for foreign national borrowers, ensuring a streamlined and efficient loan process.

Comprehensive Support: From the initial consultation to closing, we provide comprehensive support, ensuring you understand each step and feel confident in your investment decisions.

WHY CHOOSE US

What We Offer To You

Welcome to Las Vegas Mortgage, where we specialize in providing tailored financing solutions for foreign nationals investing in U.S. real estate. As a dedicated foreign national loan specialist, I am committed to helping international buyers navigate the unique requirements of securing a mortgage in the United States, making your investment journey smooth and successful.

Expertise in Foreign National Loans

With extensive experience in foreign national loan programs, we understand the specific needs and challenges faced by international buyers. Our specialized knowledge allows us to provide expert guidance and support throughout the entire loan process.

Customized Loan Solutions

We offer foreign national loan programs with flexible terms and competitive rates, designed to meet the unique circumstances of international investors. Whether you're purchasing a property or refinancing, we provide tailored solutions that fit your financial goals.

High Loan-to-Value (LTV) Options

From pre-qualification to closing, I handle all the details, making Our foreign national loan programs offer up to 75% LTV for purchase and rate-term refinance transactions and up to 65% LTV for cash-out refinances. This allows you to leverage more of the property's value, making your investment more accessible. home buying journey smooth and hassle-free.

Investment Properties Only

Your satisfaction is my top priority. I am dedicated to providing transparent, honest, and responsive service throughout the entire loan process.

Access to Exclusive Loan Options

At Las Vegas Mortgage, we recognize that every borrower has unique financial needs and goals. We take the time to understand your specific situation, offering personalized service and tailored loan options that align with your objectives.

Flexible Vesting Options

Unlike some loan programs, we do not require vesting to be in an LLC. This flexibility provides greater ease and convenience in structuring your investment.

Mortgage Pre-Approval

Secure your financing before you start shopping. Our pre-approval process is quick and easy, giving you a clear understanding of your budget and making you a more attractive buyer. Start your journey with confidence!

House Shopping

Explore a wide range of properties that fit your needs and lifestyle. Whether you're looking for your first home, a vacation retreat, or an investment property, our team is here to guide you through the search and help you find the ideal match.

Loan Application

Complete your mortgage application with our streamlined and user-friendly process. Our experienced loan officers will assist you every step of the way, ensuring all your questions are answered and your application is processed smoothly. Let us help you make your homeownership dreams a reality!

WHAT’S THE BEST

Mortgage Programs

At Las Vegas Mortgage, we offer a variety of mortgage programs tailored to meet your unique financial situation and goals. Whether you're a first-time homebuyer, a seasoned investor, or somewhere in between, we have the perfect loan solution for you.

Specific Programs

FHA Loans: Ideal for those with lower credit scores or limited down payment funds.
Conventional Loans: Flexible options with competitive rates for a range of borrowers.
USDA Loans: Great for rural property buyers, offering zero down payment.
VA Loans: Exclusive benefits for veterans and active-duty military members.
DSCR Loans: Perfect for real estate investors focusing on cash flow properties.
Bank Statement Loans: Designed for self-employed borrowers who need to show income differently.
ITIN Loans: Accessible options for those without a Social Security number.
Foreign National Loans: Financing solutions for non-U.S. citizens.
Fix and Flip Loans: Short-term financing for property renovation and resale.
Cannabis Industry Loans: Tailored loan options for professionals in the cannabis sector.
1099 Loans: Options for independent contractors and freelancers with 1099 income.
Private Money Loans: Quick and flexible funding for unique situations or investments.

OUR TEAM

Our Staff Profiles

KeVIN SCHANDA

SENIOR MORTGAGE ADVISOR

NMLS 93971

JONATHAN FESSER

MORTGAGE ADIVSOR

NMLS 2225687

BONNIE CLOCKEL

MORTGAGE ADVISOR

NMLS 1906508

Frequently Asked Questions

What Documentation is Required to Apply for a Foreign National Loan?

The required documentation for a foreign national loan typically includes a valid passport, proof of income (such as international bank statements or employment contracts), international credit reports, and proof of assets. Additional documentation may be needed depending on the lender's requirements and the specifics of the loan.

Who is Eligible for a Foreign National Loan?

Eligibility for a foreign national loan typically requires the borrower to be a non-U.S. citizen without permanent residency status in the United States. Borrowers must have valid identification, such as a passport, and may need to provide proof of income, international credit history, and other financial documents. The program is available exclusively for investment properties.

What Are the Loan-to-Value (LTV) Ratios for Foreign National Loans?

Our foreign national loan programs offer up to 75% LTV for purchase and rate-term refinance transactions, and up to 65% LTV for cash-out refinances. This means you can borrow up to 75% of the property's value for purchases and rate-term refinances, and up to 65% for cash-out refinances.

What Types of Properties Can Be Financed with a Foreign National Loan?

Foreign national loans are available exclusively for investment properties, including residential, commercial, and multi-family properties. This program is ideal for international investors looking to expand their real estate portfolio in the U.S. market.

What Are the Down Payment Requirements for Foreign National Loans?

The down payment requirements for foreign national loans typically range from 25% to 35% of the property's purchase price, depending on the specific loan terms and LTV ratio. A higher down payment may be required for cash-out refinances or properties with higher risk profiles.