Foreign National Program
Up to 75% LTV, No MI
This mortgage product is for Foreign Nationals wanting to purchase or refinance a 2nd home or investment property in the United States. The Foreign Nationals Loan Program allows you to qualify borrowers using income from their country of origin and liquid assets or projected rental income on investment properties.
- Loans up to $2,000,000 with a minimum of $150,000
- 12 or 24 months business or personal bank statements
- Two years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
- Two years self-employed required
- Purchase and cash-out or rate-term refinance
- Second homes and non-owner occupied
- 30 Year fixed or 5/6 ARM with 10 year Interest Only available
- Non-warrantable condos allowed
- Minimum score 640 if borrower has US social security number. No score with acceptable foreign credit
- Cash-out up to 70% LTV
- Max cash in hand $500,000 with LTV restrictions
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