Foreign National Loans: Own U.S. Property Without U.S. Credit or SSN

SiFi Lending offers Foreign National Loans — specialized mortgage solutions designed for non-U.S. citizens and non-residents who want to invest in or purchase U.S. real estate.


These programs provide flexible pathways to financing without relying on traditional U.S. credit history, SSN, or domestic income documentation.

Finance U.S. Properties as a Global Investor, No U.S. Credit Required

Whether you're an international buyer, overseas investor, or foreign national looking to own property in the United States, SiFi Lending makes it possible. Our Foreign National program uses alternative qualification methods like international income, foreign assets, bank statements, or asset depletion — bypassing the need for U.S. credit scores or tax returns.

No U.S. credit history or

SSN required

Qualify using international income, foreign assets, bank statements, ITIN (if applicable), or asset-based documentation instead of traditional U.S. credit reports.

Flexible for non-residents & global buyers

Supports foreign nationals, non-permanent residents, and international investors; options for primary residences, second homes, or investment properties (including rentals).

Fast and

tailored closings

Average 15-day timeline from submission to funding, with boutique service, nationwide availability, and solutions when traditional lenders say no.

Why Choose SiFi Lending for Your Foreign National Loan?


A focus on non-QM and specialty lending, SiFi Lending delivers elite reliability for complex borrower scenarios. We're investor- and buyer-friendly — offering competitive leverage, entity vesting options where applicable, and a commitment to closing certainty.

No rigid bank rules here. Just smart, flexible financing that empowers global investors to build wealth in U.S. real estate.

Ready to secure your U.S. property with international-friendly terms?


Get a personalized Foreign National quote today or Apply Now to start the process seamlessly.



All loans subject to credit approval, underwriting guidelines, and eligibility. Terms, conditions, and restrictions apply. SiFi Lending, NMLS #2563307.