Foreign National Loans – OSO Creek Financial

Invest in U.S. Real Estate from nywhere

The United States remains one of the most desirable real estate markets in the world for international investors and buyers. Whether you’re looking for a vacation property in California, an investment rental in Texas, or a long-term asset to hold in your portfolio, purchasing U.S. real estate as a non-citizen or non-resident is entirely possible — with the right lender.

OSO Creek Financial works with Foreign National borrowers to provide financing for investment and vacation properties throughout the United States. We understand the unique documentation requirements and have the wholesale lender relationships to make the process manageable, even from overseas.

Who Are Foreign National Loans For?

Non-U.S. citizens who do not hold a green card or visa that permits permanent residency
International investors purchasing U.S. real estate for income or appreciation
Non-resident aliens buying a vacation or second home in the U.S.
Foreign business entities investing in U.S. property

Note: If you are a U.S. citizen or green card holder living abroad, you may qualify under different programs. Contact us to discuss your specific residency and citizenship status.

Eligible Property Types

Primary residence financing is generally not available for foreign nationals — these programs focus on investment and vacation property purchases.

Key Loan Features

Loan amounts typically from $200,000 to $3,000,000+
Loan-to-value ratios generally up to 65–70%
Fixed-rate and adjustable-rate options
30-year loan terms available
No U.S. credit history required — international credit reports accepted by some lenders
No U.S. Social Security Number required on most programs
Asset and income documentation accepted from foreign sources

What Documentation Is Typically Required?

Requirements vary by lender, but commonly include:

Valid passport (all applicable pages)
Visa documentation if applicable
International bank statements (12–24 months) or domestic U.S. account statements
Evidence of qualifying income or assets (employment letter, international tax returns, asset statements)
Reference letter from a foreign bank or financial institution
Down payment funds verified and sourced
Property appraisal completed by a U.S.-licensed appraiser

Important Considerations for Foreign Buyers

Purchasing U.S. real estate as a foreign national involves some additional steps compared to a domestic purchase. Wire transfers for down payments require careful documentation of the source of funds. Some lenders require U.S. bank accounts to be established before closing. Property management arrangements may need to be in place if you won’t be in the country to manage the asset.

We recommend working with a U.S.-based real estate attorney in addition to your lending team. We’re happy to refer you to experienced professionals who work with international buyers regularly.

Why OSO Creek Financial for Foreign National Financing?

Foreign National loans require a broker who has genuine wholesale relationships with lenders experienced in international transactions. Many banks and retail lenders simply don’t offer these programs. Mark Stillman and the OSO Creek Financial team have the lender access and documentation knowledge to guide you through the process from start to finish — regardless of where you’re located.