An FHA loan opens the door — you bring the dream.

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FHA Loans

FHA loans typically require a down payment of just 3.5% of the purchase price, making it easier for buyers to get into a home. In addition, FHA loans have more flexible credit requirements than conventional loans, allowing borrowers with less-than-perfect credit to still qualify. These factors make FHA loans an attractive option for many home buyers looking to achieve their dream of homeownership.

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Ideal Borrowers for Foreign National Loans

Is a Foreign National Loan Right for You?

🌍 International Buyer Friendly

Buy U.S. property without U.S. credit or citizenship — tailored for non-resident investors.

📑 Simple Documentation

Approval based on passport, visa, or foreign income/assets — no U.S. credit score required.

🏠 Investment & Vacation Homes

Great for purchasing second homes, short-term rentals, or long-term investment properties.

Is a Foreign National Loan Right for You?

A Good Fit If…

Not a Fit If…

✔

You’re not a U.S. citizen or permanent resident

Foreign national loans are designed for international buyers investing in U.S. real estate.

✖

You have U.S. residency or a green card

Resident borrowers may qualify for standard conventional or FHA financing instead.

✔

You want to buy a second home or investment property

These loans are ideal for non-residents purchasing vacation homes or rental units.

✖

You’re looking to buy a primary residence

Most foreign national programs exclude primary homes due to occupancy rules.

✔

You can show foreign income, credit, or bank assets

Lenders may accept documentation from your home country in place of U.S. financials.

✖

You have no financial records or foreign credit

Lenders still require some form of proof of income or reserves, even without a U.S. credit score.

✔

You’re comfortable putting 25–30% down

Most foreign national programs require higher down payments to offset risk.

✖

You need low down payment financing

These loans are not designed for buyers looking for minimal out-of-pocket costs.

What client say about us

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Lorem Ipsum is simply dummy text of the printing

and typesetting industry. Lorem Ipsum has been

he industry's standard dummy text ever since the

1500s, when an unknown printer took a galley of

type and scrambled.

Darcel Ballentine

Barone LLC.

FHA FAQ's

We understand that applying for an FHA loan can bring up a lot of questions, especially for first-time homebuyers. This FAQ section is here to provide clear answers and guidance, helping you feel confident and informed throughout the entire process, from pre-qualification to closing day.

 What is an FHA loan?

An FHA loan is a government-backed mortgage insured by the Federal Housing Administration, designed to help borrowers with low-to-moderate income or credit challenges qualify for home financing.

Who is eligible for an FHA loan?

Eligibility generally includes a minimum credit score of 580, a steady employment history, and the ability to make a down payment of at least 3.5% of the purchase price.