You don’t need U.S. citizenship to invest in or buy a home. We offer mortgage solutions for foreign nationals and non-U.S. citizens using ITIN numbers or alternative documentation. Whether you’re purchasing a second home or investment property, we’ll help you explore flexible loan options tailored to your situation.
Foreign National Loans are mortgage programs designed specifically for non-U.S. citizens who do not reside in the United States full-time. These loans allow international buyers to invest in U.S. real estate, often without needing a U.S. credit score or permanent residency status.
ITIN mortgages are home loan options for individuals who do not have a Social Security Number but do have an Individual Taxpayer Identification Number. These loans help undocumented immigrants, visa holders, and non-residents purchase or refinance homes in the U.S.
Foreign National Loans are ideal for international buyers looking to invest in U.S. property, whether for vacation, rental, or portfolio diversification. ITIN loans are built for U.S.-based borrowers who file taxes with an ITIN and can provide proof of income, residency, and payment history.
Lenders use alternative documentation like international credit reports, bank reference letters, proof of foreign income, or domestic bank statements to qualify applicants. Down payments are typically higher than conventional loans and credit flexibility depends on your profile and lender.
Yes. Both Foreign National and ITIN loan programs are designed for borrowers who do not have a U.S. credit history. Instead, lenders rely on international credit references or alternative forms of credit, such as utility bills, rental payments, or bank letters.
You can use these loans to purchase primary homes, second homes, or investment properties. Many programs offer flexible terms and competitive rates, helping borrowers build real estate wealth in the U.S. while maintaining their non-resident status.
LUMI Funding Group understands how to navigate the unique challenges international buyers and ITIN holders face when securing a mortgage. We offer flexible programs with minimal documentation, tailored to clients without traditional credit or residency status. Our team helps you understand what’s required, gathers the right documentation, and ensures a smooth path from pre-approval to closing. Whether you’re abroad or working toward U.S. residency, we’re here to help you invest in American property with confidence.
From proof of income to qualifying without a Social Security Number, our FAQ section explains how these loan programs work for non-U.S. borrowers and tax filers using an ITIN.
Yes. Foreign National Loans are specifically designed for non-U.S. citizens who want to buy property in the United States. You don’t need a Green Card or Social Security Number to qualify, but you will need to provide identification and proof of funds.
An ITIN is an Individual Taxpayer Identification Number issued by the IRS to people who do not qualify for a Social Security Number. If you live and work in the U.S. and file taxes using an ITIN, you may qualify for an ITIN mortgage to buy or refinance a home.
It is recommended to have a U.S. bank account for smoother transactions, but many lenders work with international financial institutions. If applying for an ITIN loan, you may already be using a U.S. account for deposits or bill payments.
Borrowers typically need to show proof of income from their home country or the U.S. For ITIN loans, pay stubs, bank statements, or tax filings can be used. Foreign National Loans may require bank letters or proof of assets and income abroad.
No. Both Foreign National Loans and ITIN mortgages can be used for primary residences, second homes, and investment properties. Your eligibility will depend on your profile, income documentation, and lender requirements.
Down payments are usually higher for these loans than traditional programs, often starting around 20 to 30 percent. This reflects the added risk to the lender when working with non-resident or non-traditional borrowers.
These loan programs make it possible for non-U.S. citizens and ITIN holders to buy or refinance real estate in the United States. With flexible guidelines and alternative documentation options, they are ideal for international investors, undocumented immigrants, and visa holders looking to establish roots or build wealth through property. While these loans may require higher down payments and additional paperwork, they provide a powerful path to homeownership and financial growth in the U.S. market.
