Mortgage Options


up to 30 Years

Minimum Investment

100,000 USD


3, 5, 7 Year ARM

Credit Institutions

Local USA Banks

Obtaining a Mortgage

Obtaining a mortgage in the United States as a foreigner can be more complex than for U.S. citizens, but it is certainly possible. Lenders that offer foreign national mortgage programs require detailed forms from applicants.

Needs for Starting Your Mortgage Application

Valid Visa and Foreign Passport: You’ll need to show proof that you are legally in the U.S., if applying while in the country.

International Credit Report or Alternative Credit References: Some lenders may use an international credit report. If this is not available, alternative forms of credit references, such as a letter from a current bank stating good account standing, might be accepted.

Proof of Legal Residence in Home Country: This can be a utility bill, a rent receipt, or some other document that shows your address in your home country.

Proof of Employment or Income: Documents such as pay stubs, tax returns, or bank statements showing enough income or assets to cover the mortgage payments. Some lenders may require proof of employment for at least two years.

Down Payment: Foreign nationals are often required to make a larger down payment, sometimes 30% or more of the home’s value. The exact amount can vary depending on the lender and the buyer’s creditworthiness.

U.S. Bank Account: Some lenders require foreign borrowers to have a U.S. bank account, and possibly even a certain amount of money in the account.

Foreign Assets: Some lenders might require you to show that you hold considerable assets in your home country.

Loan-to-Value (LTV) Ratio: The LTV ratio may be lower for foreign national loans. This means the loan amount may not exceed a certain percentage of the property’s value.

Property Appraisal: The lender will require an appraisal of the property by a U.S.-based appraisal company to determine its value.

Insurance: Lenders will require you to have homeowners insurance on the property. In some cases, they may also require mortgage insurance.

Additional Documentation: This could include bank references and personal and business tax returns if self-employed.


Do you know that you can use several credit options to buy a house in the U.S.A. and secure your families future?

Keep in mind that requirements can vary significantly from one lender to another, and some lenders may not lend to foreign nationals at all.

Therefore, it’s important to understand your specific requirements for us and start working together from scratch.

Benefits of Purchasing a Property in the U.S.A.

  • Robust Market: The U.S. real estate market is one of the largest and most developed globally. Its maturity offers a stable environment that attracts investors worldwide.

  • Diverse Opportunities: The U.S. offers a wide range of property types and markets. Whether you’re interested in urban luxury condos, suburban single-family homes, or rural properties, the U.S. has it all.

  • Property Rights: The U.S. legal system strongly enforces property rights, providing security for foreign investors. Unlike some countries, the U.S. allows foreign ownership of property.

  • Potential for Profit: Many areas in the U.S. have strong growth potential. Savvy investors have the opportunity to realize significant profits, either through property appreciation or rental income.

  • Quality of Life: The U.S. offers a high standard of living, quality education, advanced healthcare facilities, and a rich cultural and social life. Owning property can provide access to these benefits.

  • Ease of Purchase: While there are regulations, the process of buying property in the U.S. is relatively straightforward compared to many other countries, even for foreign buyers.

  • Tax Advantages: While taxes are a complex issue that depends on your specific situation, in some cases, owning property in the U.S. can provide tax advantages, such as mortgage interest deductions.

  • Leverage: The U.S. mortgage system allows investors to leverage their investments, controlling a large asset with a relatively small initial investment (the down payment).

  • Retirement Planning: Purchasing a property in the U.S. can be part of a long-term retirement plan. Some choose to rent out the property and then use it as a place to retire later on.

  • Currency Diversification: Owning real estate in the U.S. allows you to diversify your investment portfolio in terms of currency, which might be beneficial if the dollar is strong compared to your home currency.

Reach us to get all answers for your questions in mind..

Frequently Asked Questions

Can I purchase asset in USA freely and hold on my name?

Yes, if you are not sanctioned country passport holders, you can easily purchase house in the USA.

Do I need to visit USA for that process?

You dont need to make any visit to USA, all process can be done via internet and phone calls. But time to time, our clients prefer to visit to see the assets.

How long does it take to get my title deed?

There are different time slot for the payments of purchased asset that effects having the papers in hand, but once all payments completed you can have your title deed directly.

Can I select any option or asset?

Yes, you can. We have an expert team to advise you some options as well which will have better appreciation rates and easy to rent out.

What I need to have minimum to purchase an asset in the USA?

You need to have %40 of the asset value in hand as cash in minimum to buy a flat and we can apply credit options for you, if you have a valid visa from USA. If not, we can talk on a payment plan.

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