Buying U.S. property without U.S. citizenship or a traditional U.S. credit file? There's a path — and we know it.
Foreign national financing serves buyers who don't have U.S. citizenship, permanent residency, or a conventional U.S. credit history — including investors and second-home buyers purchasing property in the States.
These programs use alternative documentation to establish identity, funds and creditworthiness, so a thin or non-existent U.S. credit file doesn't have to stop a qualified buyer.
Purchase U.S. property without U.S. citizenship or residency.
Build a U.S. rental or second-home portfolio from abroad.
Alternative documentation stands in for a traditional U.S. credit history.
A 10-minute call or the contact form: how you're paid, your goals, and the property. No credit pull to start.
As a brokerage we match your file to specialty lenders built for it — not one bank's single guideline.
You get a clear path: the program, the documents, and the timeline, with a licensed loan officer on your file.
We manage underwriting to the finish line and hand you off to a smooth closing day.
Yes. Foreign national programs are built for buyers who aren't U.S. citizens or permanent residents.
Not necessarily — lenders use alternative documentation such as international credit references or bank letters.
Typically second homes and investment properties; some programs allow primary residences. We'll match you to the right one.
ITIN loans serve borrowers who have a U.S. Individual Taxpayer Identification Number (often residents without an SSN); foreign national loans serve non-residents. See our ITIN page.
“When I was faced with the most challenging deal of my career, Atlantic Mortgage found a way to make it happen. They went way out of their way to help my buyer… we weren’t just another file.”
— Joe H., real estate agent“Second time using Mike for our mortgage process — by far the best person to handle it, answer any question, and make the entire experience stress-free!”
— Heather S.“As our mortgage broker he was exceptional. Every step of the way he explained everything clearly, was very responsive, and patient with us as first-time home buyers.”
— Vanessa S.Tell us your scenario and a licensed loan officer — not a call center — will follow up, usually the same day. No credit pull to start.
All loans are subject to credit approval and program guidelines; availability varies by program.
Start a secure application online, or call our Wakefield office — a licensed loan originator answers, not a call center.