Mortgages for U.S. Expatriates and Foreign Nationals

Financing options for non-U.S. residents and Americans living abroad seeking to purchase, refinance, or access equity in U.S. properties.
ExpatsForeign Nationals was created to cater to the needs of U.S. citizens and Foreign Nationals living overseas who require comprehensive U.S. residential mortgages.

We provide access to over 128 U.S. banks and wholesale loan products specifically for international clients looking to invest in the United States or U.S. citizens looking to invest abroad.

Additionally, we offer financing options for commercial properties and high-value home financing through our specialty lenders both in the U.S. and overseas.

We specialize in Non-Resident U.S. Mortgage Lending as recognized experts in the industry.

Our team of International Mortgage Specialists, spanning the globe, are prepared to assist you.



Whether you’re an international buyer looking to invest in U.S. property or a U.S. resident without a social security number, we have mortgage options.



Financing overseas real estate can be challenging, we offer options for buying property abroad, whether for a holiday home, investment or retirement.



We provide mortgage financing to U.S. citizens living or working abroad who are looking to buy in the United States.



Whether buying abroad, living abroad or a foreign national purchasing or refinancing a property in the U.S., we’ll do our best to help with obtaining the proper financing.

International Mortgage Programs

Foreign Nationals

Borrowers looking to buy or refinance a property in the United States, our program is crafted to ensure simplicity and flexibility.


Borrowers working in the U.S. but without a Social Security Number, our Individual Tax Identification Number program can provide the financing they need.

U.S Expat Loans

Living and working abroad? We make it possible for U.S. Expats to own property in the United States. No U.S. credit report or credit score required.

Frequently Asked Question

An international mortgage is a mortgage for a property located in a foreign country. A mortgage program designed for U.S. citizens who reside in the U.S. and want to invest overseas.
Yes, you are considered a foreign national. We offer several foreign national programs starting with a 20% down payment.
Yes, we have an ITIN program which is designed exactly for people like you, no Social Security but a Tax ID Number.
Yes, as long as you have a valid residency status and a Tax ID Number.
Yes, FHA does allow a foreign national borrower.

Foreign National and U.S. Expat Mortgage Insights