Foreign National Mortgage Options for Las Vegas properties
If you do not have a Social Security number, a U.S. credit history or permanent residency, some lenders offer foreign national programs for a U.S. property. Availability and rules vary by lender and change often. I am Fabion Medhanie, a Nevada licensed mortgage broker, and I speak English and German. I will tell you plainly what is possible for your situation before you spend time or money.
What lenders commonly ask for
- A passport and proof of identity
- Proof of funds for the down payment and reserves, often a larger down payment than a standard loan
- Income or asset documentation, depending on the program
- How the property will be used: second home or investment
Programs differ, so this is a starting list, not a promise of terms. For a rental property, see DSCR loans, which qualify on the property's rent. For higher priced homes, see jumbo loans.
Language and licensing
Ich berate Sie gerne auf Deutsch. Hypotheken in den USA auf Deutsch. I can only arrange loans for properties in states where I am licensed: Nevada, California, Colorado, Florida, Georgia, North Carolina, Tennessee, Texas and Virginia.
Foreign national questions.
Some programs allow it. Terms vary by lender and approval is never promised before underwriting.
Some foreign national programs use alternative documentation instead of a U.S. credit history. Requirements differ by program, so ask for the current rules.
It varies by program and is often higher than for a standard loan. We look at your options before you commit to a property.
Some programs allow it, including options that qualify on rental income. See our DSCR loans page.
Ja. Sie können mich auf Deutsch kontaktieren, und ich erkläre Ihnen den Ablauf in Ruhe.
Find out what is possible for your situation.
A short call, no credit pull. You leave knowing which programs fit and what the next step is. Then you decide, at your pace. Education only, not a commitment to lend; all loans are subject to credit approval.
