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Residential Loans: Non-U.S.-Citizen Financing

What is non-U.S.-citizen financing?

These types of loans are for borrowers who are (1) permanent residents with a green card; (2) non-permanent residents with a valid work visa; or (3) foreign nationals whose primary residence is not in the United States.

Sample residential loan programs for non-U.S. citizens

Eligibility for the different loan programs depends on the borrower’s immigration status:

Permanent residents with green cards

  • These borrowers can qualify for conventional loans and generally have access to the same loan programs as U.S. citizens. Permanent residents also can qualify for government loans such as Federal Housing Administration (FHA) loans.

Non-permanent residents with valid work visas

  • These borrowers, like permanent residents, can also qualify for conventional loans and FHA loans. (For FHA loans, however, non-permanent residents can only use the home as their primary residence, not for occasional use such as a second or vacation home.)

Foreign nationals

  • Foreign nationals are not eligible for either conventional or government loans, and will have to find a lender who has special loan programs just for foreign nationals. These lenders typically offer up to 75% loan-to-value and will not accept debt-to-income ratios higher than 45%. Foreign nationals can only purchase the home for use as a second home or investment property. 

All items are subject to change. Call David A. Krebs at 321-239-2781, click here to submit a message, or click here to book a call.

Sample success stories

Learn how we’ve helped families and individuals obtain jumbo loans in Florida. Go to our “Success Stories” page and filter by “Residential Non-U.S.-Citizen Financing”.