Foreign National Loans
Foreign national loans provide mortgage financing for non-U.S.
Foreign national loans provide mortgage financing for non-U.S. citizens and non-permanent residents seeking to purchase property in the United States. These specialized programs accommodate borrowers without U.S. credit history or Social Security numbers, often requiring larger down payments and cash reserves. Lenders may accept foreign credit reports, international income documentation, and alternative verification methods.
No U.S. Credit Needed
International credit references accepted in its place.
Cross-Border Coordination
Documents, funds, and closing logistics handled across time zones.
Texas Licensed
International investor lending, NMLS #2692844.
How do foreign national loans compare to conventional loans?
| Foreign national | Conventional | |
|---|---|---|
| U.S. credit history | Not required — alternative credit accepted | Required |
| Residency status | No U.S. citizenship or green card needed | Citizenship or permanent residency typically required |
| Income documentation | Flexible international verification | U.S. tax returns and W-2s |
| Property focus | U.S. investment properties and second homes | All occupancy types |
| Best fit | International buyers building U.S. holdings | Established U.S. borrowers |
Program guidelines vary by scenario. Contact us for options based on your situation.
Frequently Asked Questions
What is a Foreign National Loan program?
Foreign national loans provide mortgage financing for non-U.S.
How do I apply for Foreign National Loans with TPRG Capital?
Request a free quote or apply online, then a TPRG Capital loan officer will review your goals and recommend the best foreign national loans option for your situation. Call (972) 679-1613 to get started.
Can I buy U.S. property without a green card?
Yes. Foreign national programs are designed exactly for this — no U.S. citizenship, green card, or U.S. credit score required. Texas is one of the most popular states for international real estate investment.
What documents do foreign national buyers need?
Typically a valid passport and visa, proof of funds, international bank or credit references, and income verification from your home country. We guide you through the list item by item — most clients find it simpler than expected.
Do I need a U.S. bank account?
Generally yes, for closing funds and payments — and setting one up is straightforward. We can point you to institutions that work smoothly with international clients.
Can foreign nationals use rental income to qualify?
Yes. A DSCR-style foreign national loan qualifies on the property’s own rental income, sidestepping international income documentation almost entirely. It is the most popular structure among our overseas investors.
Ready to Explore Foreign National Loans?
Get a free, no-obligation quote today.
Foreign national financing exists because the conventional system assumes things that may not apply to you: a Social Security number, a domestic credit file, US tax returns. Investors in this space substitute other evidence — documentation from your home country, international banking history, verified assets.
Expect a larger down payment and closer documentation than a domestic borrower faces, since the investor is pricing for information it cannot verify through the usual channels. In exchange, the process is genuinely workable rather than a series of polite refusals.
Requirements differ substantially between investors, particularly around which countries’ documentation they accept and whether they permit title in an entity. Tell us early where your income and assets sit, because that determines which investors can work with you at all.
What to know before you start
We map your documentation early — passport, visa status, international income and banking references — so surprises surface in week one, not at closing.
Your loan officer coordinates across time zones and borders, working with your representatives here and abroad to keep the purchase moving while you are away.
From Frisco, we help international buyers acquire Texas property under NMLS #2692844 — investment homes, second residences, and portfolio purchases across the state.
Buying from abroad? Start with one email describing the property and your situation — we will reply with a concrete document list.
For U.S. property-buying basics for international purchasers, the CFPB’s home-buying guide. When you are ready, request your free quote today.
This content is for general information only and is not a commitment to lend or an offer of specific terms. Program guidelines, qualification requirements, and terms are subject to change without notice. All loans are subject to credit approval and are not guaranteed. TPRG Capital is a mortgage broker and does not make loans. TPRG Capital, NMLS #2692844. Jimmy D. Williams, Residential Mortgage Loan Originator, NMLS #1860818. Equal Housing Opportunity. Licensed in Texas.