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Foreign National Loans

Foreign National Loan Programs make purchasing a home in Florida easier, for Non-U.S citizens.  The Foreign National Loan Programs offers the borrower 4 flexible programs with fewer restrictions. 

Looking for a Foreign National Lender? Contact me today so I can direct you to the best lender to meet your needs. 

What is a Foreign National?

  • A foreign national is a legal resident or citizen of another nation.
  • They buy a second home or a vacation home here in the U.S. for personal use.
  • The foreign national lives in the US property only on a short-term basis (may rent the property when not occupying).
  • He or she could be here on business, or while on vacation or holiday.
  • Foreign nationals primarily have income, employment, credit, and residency in a country other than the US.
  • A foreign buyer who is purchasing investment property to rent out or lease.
  • A buyer purchasing commercial property such as hotels, office buildings, apartment buildings or warehouses
  • A borrower with an ITIN (Individual Taxpayer Identification Number)
  • Someone with a certain class of work visa, other than the B-1/B-2 visitor visa.
  • International borrowers.
  • US citizens who work abroad and earn income overseas.

The key advantages of the Foreign National Loan Program include:

  • Fixed rate terms (10, 15, 20, 25 & 30)
  • Adjustable rates (3/1, 5/1, 7/1, 10/1)
  • New home loans and refinance
  • Debt-to-income ratios are 35%/45% ("Assets for income" option)
  • No pre-payment penalties
  • New home loans and refinance
  • No pre-payment penalties
  • Up to 65% loan-to-value financing
  • Eligible properties include single-family residences, condos, townhouses and non-warrantable condos.
  • Second homes financing
  • Low bank fees.
  • Can close in an LLC
  • Self-employed okay  
  • Available in Florida

DISCLAIMER: Shelley Freeman and ShelleyFreeman.com provides general information to be used as a guide to assist you but makes no claims, promises or guarantees about the accuracy, completeness, or adequacy of the information suppied. Loans are tailored to the specific circumstances of each consumer and is not general to any situation. The mortgage industry is constantly changing, nothing provided herein should be used as a substitute for the advice of a professional loan officer or legal counsel.

The Foreign National Loan Page only provides/explains general mortgage, credit and loan concepts and principles and will try to give you the most relevant and accurate information, wherever possible. The information provided is not intended to be legal or professional advice, Shelley Freeman always recommends seeking and consulting a professional.

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Shelley Freeman
Servicing the Greater Orlando areas
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Shelley Freeman   |   Phone: 407-468-9538  | Email
Evista REsources   |   3497 W Vine St   |   Kissimmee, FL, 34741
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