Foreign National Loans

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Custom built mortgage options to help newcomers become homeowners.

Foreign National Loan Program

Opportunity Business Loans is committed to helping non-U.S. borrowers who want to own a residence or investment property in the United States. Our team of financial advisors is experienced in international lending and can help you quickly and affordably secure the financing you seek to purchase real estate in America.

Whether you are looking to buy or refinance a residential or commercial property, we will work closely with you every step of the way to get you the right loan for your needs and budget. Our Foreign National Loan Program features low documentation, easy approvals, and an expedited lending process.


  • Traditional Mortgage
  • Bridge Loans
  • Hard Money Loans
  • Construction Loans
  • Commercial Mortgages
  • Investment Property Loans
  • Home Equity Line of Credit


  • Fixed loans up to 30 years
  • Flexible mortgage terms
  • Principal + Interest or Principal-Only Payments
  • No Prepay Penalties
  • Qualify as a Corporation, LLC, or Personal Applicant

What Are Foreign National Loans?

If you are not an American citizen but want to purchase a house here, it can be difficult to secure the financing you need. Most traditional lenders won’t or can’t accept Foreign National Loan Applications due to strict federal and corporate regulations.

Foreign National Loans are a lending solution for individuals that live outside of the U.S. which secures the capital needed to purchase real estate in America. Foreign Nationals, Individual Tax Identification Number (ITIN) Holders, can obtain mortgage loans in this country through alternative lenders.

If you are a Foreign National, you will not qualify for traditional loans like Fannie, Freddie, and FHA mortgages. This is due to harsh federal requirements for lenders which are established to prove a borrower’s ability to repay their loan. Although these requirements minimize the risks for lenders, they also make lending to Foreign Nationals more difficult.

However, alternative lenders like Opportunity Business Loans offer more aggressive lending programs that provide financing for Foreign Nationals. These programs make purchasing or constructing real estate in the U.S. easier and more affordable.

If you are wanting to purchase a home, invest in real estate, or construct a new building in the United States, give us a call or fill out our online application form today. We would love to secure the financing you need through a simple and affordable mortgage!

Top 10 States Where Foreign Nationals Buy Homes

Call Us Today! (855) 211-6522

asian women

What Is A Foreign National?

The mortgage industry defines a Foreign National as anyone who is not a U.S. Citizen and is not permanently living in the United States. To be eligible for Foreign National Lending, you must be a legal resident of another country and live and work there.

Green Card-holding immigrants, commonly known as permanent resident aliens, are not considered Foreign Nationals when it comes to lending. These individuals are eligible for regular mortgage financing and don’t require specialized mortgage programs to purchase real estate in the United States.

african american mom and daughter

Why You Might Need A Foreign National Loan

To get a traditional mortgage, you have to meet some minimum credit, income, and savings requirements. If you are a Foreign National, you likely don’t meet these requirements. That is where Foreign National Loans come in.

A Foreign National Loan is probably a good idea if you:

  • Don’t have a Social Security Number (SSN)
  • Don’t have a Credit Score or Credit History
  • Have no Verifiable U.S.-Based Income
  • Have no way to verify down payment

Documents Required For Loan Approval

General Paperwork

  • Foreign National Loan Application
  • Copy of ID, Passport, and/or Driver’s License
  • Resume or Curriculum Vitae (if applicable)
  • Proof of address

If Self-Employed

  • Last 2 Years of Personal Tax Returns
  • YTD Personal Financial Statement
  • Last 2 Years of Business Tax Returns
  • YTD Business Financial Statement

If Employed

  • Last 2 Years of Personal Tax Returns
  • Last 2 Pay Stubs
  • Name, Phone, and Email of Employer
  • Copy of last 3 Months of Bank Statements

We Provide Financing in all 50 states.

Why Choose Us As Your Mortgage Lender?

Opportunity Business Loans is one of the top Foreign National Mortgage Lenders in the country. Our Foreign National Loan Program offers flexible terms, competitive rates, one-on-one consulting, flexible underwriting, and funding in all 50 states! If you are looking to purchase or construct real estate in the United States, give us a call today!

Flexible Terms
Competitive Rates
Flexible Underwriting
Personal Advising
Fast Funding
No Prepay Penalties

Eligible Property Types

Whether you are constructing a new home or are investing in commercial real estate, we've got you covered. Give us a call or fill out our online application today to get started!

Single Family
Luxury Condominiums

Get Business Financing Today

In just 3 easy steps, you can explore your financing options.

Step 1: Just one simple application

Start by filling out our fast application where you can tell us about you and your business. With just one simple application, you'll have access to over a hundred different lenders.

Step 2: Match with the best lender

After submitting your application, our advisors will evaluate your business profile and match you with lenders who can offer the best financing for your business.

Step 3: Select and receive the best financing

Review all your different financing opportunities with an advisor at hand. With so many opportunities at your door, you’ll find the best one to meet all your business needs.

We’ll Bring You The Right Opportunity.

We work with only the best lenders to give you a variety of options to choose from. Compare different rates from just one site. Let Opportunity knock on your door!
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