Loans for Foreign Nationals

Non-citizens interested in buying a home in the US can still qualify for a loan. A Foreign National Mortgage can be made without credit or a social security number and can be used as a secondary or investment property.

Product highlights

No US credit or passport required
Single-family homes, townhomes, and condos eligible
Loans up to $1.5M
Second home or investment property
No primary allowed
Liquid assets required for down payment and closing costs
Three open credit trade lines or verifiable letters of reference from banks showing open credit lines and acceptable payment history
Maximum 70% LTV
In-house underwriting
Eligible for DSCR Loans or Income qualification for DTI
Valid state-issued ID

Borrower advantages

Use for upsizing or downsizing current home with access to equity
Buy a property closer to family or pay off existing mortgage and debts
Creates another source of income
Financial planning tool available to assist in long range planning

Realtor advantages

Thousands of DREAMers are ready for homeownership as they grow in number
Many companies require a minimum 30% down payment for foreign national loans, APM requires as little as 20%
In-house underwriting means we can work quickly with borrowers if any issues arise

What Clients Say About Us

“Daniel was great! Very efficient and very friendly. He always got back to us in a timely manner and always called us to explain things rather than just texting. Very personable guy! Very quick as well! We closed 2 weeks sooner than expected. I cannot say enough nice things about preferred rate, I definitely recommend them to everyone!”

Megan H

“I cannot put into words how amazing Dan and his team were during this whole process. They consistently went above and beyond to ensure I was fully taken care of. Not working with a realtor was a bad call on my part, but Dan was there every step; and a few bumps, offering unbiased advice and making sure I was taken care of. This momma and her girl tribe finally have a place of their own to call home; I am so thankful for Dan and his team!”

Savannah C

“This is my second home purchase using Dan. He is great to work with, he explains everything and is always there to answer any questions.

Update: When rates dropped early October 2025, Dan reached out to let me know and we knocked the refinance quickly. Dan is also always quick to answer questions no matter time or day of the week. No one else I’d rather do business with.”

Nate W

“We don’t have enough good things to say about Bihn Group! We tried to buy a house years ago and were consistently disappointed, houses sold out from under us, etc. so we gave up! We reached out to Dan this time around and he was so efficient and kind about everything! He answered all of our questions with honesty and we were so lucky to find our dream house as quickly as we did. Our son hasn’t stopped running around in our yard since we moved in! Thank you, Dan and Bihn Group for helping us achieve this goal in life!”

Taylor S

“Thank you for making a dream a reality. For years my husband, kids and I would talk about the perfect house we would have one day. It’s easy to find a house but difficult to get the keys and even more difficult to tell your kids this one didn’t work out. Dan, thank you for directing and clearing the path to our new home. We are extremely grateful!”

The McCulley’s