Foreign National Program: Connecting Global Buyers with U.S. Real Estate

At Crestico Funding, we understand the unique challenges international buyers face when entering the U.S. housing market.

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Foreign National Program

At Crestico Funding, we understand that purchasing or refinancing real estate in the United States can be a complex process for international buyers. That’s why we’ve developed our Foreign National Program—a specialized solution designed to help non-U.S. citizens secure residential financing without the typical barriers that come with traditional lending.

This program is ideal for foreign investors, business professionals, and international buyers who want to own property in the U.S. but may not have a Social Security number, established U.S. credit history, or domestic income documentation. We simplify the path to U.S. homeownership by offering flexible underwriting, streamlined documentation requirements, and competitive loan terms specifically tailored to meet the needs of international borrowers.

Program Highlights

No U.S. Financial History Needed
Foreign nationals can qualify for financing without the need for U.S.-based income, credit history, or assets, making it simpler and more accessible to invest in U.S. real estate through Crestico Funding.
Better Terms Through Banking Relationships
Although not required, setting up a banking relationship and choosing auto-pay can help borrowers qualify for more favorable loan terms, providing added value and flexibility.
Flexible Interest-Only Loan Options
Take advantage of interest-only financing with terms from 3 to 10 years, combined with a 30-year amortization, offering international buyers lower initial payments and greater control over cash flow.
No Prepayment Penalty
Enjoy the flexibility to pay off your mortgage early without penalty on primary residences and second homes, giving you greater control over your financial strategy.

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At Crestico, our loan programs are designed to meet a wide range of financial needs—whether you're buying your first home, refinancing, investing in property, or looking for flexible financing options. From conventional and government-backed loans to non-traditional and specialty programs, we offer solutions that align with your goals. Our experts help match you with the right loan, offering competitive rates, personalized terms, and a smooth approval process.