Can Foreign Nationals Get A Loan?

Loans for Foreign Nationals

The question comes up, more often than not, if we can do loans for a person who is not a naturalized citizen of the United States in which they live, also known as a  foreign national? For many owning real estate is a part of the “American Dream” and foreign nationals want to partake in that dream but fear their status makes them ineligible to get a mortgage loan.

It is probably due to the lack of financing available for deals that fall outside the box that the bank loans must fit into.

The main issue to getting any bank mortgage for a foreign national is proving to the bank that you are worthy of taking a risk on.  That typically  means providing certain documentation.  Such as your employment history, credit report and proof of income. For U.S. citizens, this is a pretty easy process, because most have obtained and built credit starting from a young age and have years of w-2’s and  tax returns.

You can see how providing this documentation can present problems for someone who hasn’t been in the country all that long or doesn’t live in the U.S. most of the time. For example, how do you prove to a United States mortgage bank that  you have good credit, or credit at all,  if you don’t have a credit report from Equifax, TransUnion and Experian, the 3 companies that lenders use to assess your credit worthiness?

You have an advantage if you have an existing relationship with an international bank with branches in the U.S. It will have a record of your finances already, so it may be more willing to take a bet on you, even without an American credit report. Fortunately, the mortgage industry is dominated by large, global banks, so there’s a good chance you’ve had accounts with one of them in the past.

Also, some lenders may be willing to order international credit reports as a substitute for the three major U.S. bureaus. However, this can be an expensive process.

The fact is that there are a lot of people who have money and want to invest in real estate when it is at or near the bottom of the market and you have a need for things like providing foreign national loans.

Now to answer the question, yes, we can do loans for foreign nationals as long as the rest of the deal makes sense. This goes for anyone who either doesn’t have a social security number or who doesn’t have any credit at all.

As full disclosure, anyone who gets a loan must be able to provide identification that complies with the Patriot Act:

At least two (2) forms of identifying documents for review; at least one (1) of the identifying documents must be an unexpired government-issued document bearing a photograph f the named individual.   Other identifying documents not specifically listed below must, at a minimum, bear the individual’s name.  Examples of other acceptable identifying documents include:

Current government issued visa, medicare card, student identification card, voter registration card, recent property tax or utility bill, most recent w-2 or signed federal or state tax returns, bank statements, and proof of car/house/renters insurance coverage.

Don’t worry about learning all the requirements yourself. You can always contact us and we can help you figure out if you or your client have the documentation needed. Most people do.

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  37. tutu

    Reply

    Hello everyone. I saw comments from people who already got their loan from pure heart loans and then I decided to apply under their recommendations and just few hours ago I confirmed in my own personal bank account a total amount of $20,000 which I requested for. This is really a great news and I am advising everyone who needs real loan to apply through their email ( edwardwilliamsloanfirm8@gmail.com )

  38. Mrs Rose Larsson.

    Reply

    Private Lender Bentex Funding Group Ltd.
    Greetings to you by (BFGL).
    We are a France-Paris based investment company known as Bentex Funding
    Group Ltd working on expanding its portfolio globally and financing
    projects.
    We would be happy to fund and invest with you in any profitable
    project if you have any viable project we can finance by making mutual
    investment with you. If you are interested, kindly contact us
    on:bentexgroup@gmail.com for more details.
    Looking forward hearing from you soonest.
    Yours truly,
    Mrs Rose Larsson.
    (Personal Assistant)
    Bentex Funding Group Ltd(BFGL)
    509 Rue Jacques Coeur,75008 Paris-France
    Paris-France.Bentex Funding Group Ltd (BFGL)

  39. zack willington

    Reply

    Do You need an urgent loan ???

    I am a private lender, i offer loan at 2% this is a legitimate company with honor and difference we are ready to help you out in any financial problem that you are we offer all type of loan so if you are interested in this loan offer kindly contact us on our email: (zackwillington@gmail.com)

    Also provide the follow details so that we can proceed with the loan immediately.

    Full Name:
    Amount needed:
    Duration:
    country:
    Purpose of loan:
    Monthly income:
    Phone number:

    Contact us with the above details on our email: ( zackwillington@gmail.com)

    Regards to you all.

  40. Reply

    This is to inform the public that Ms. mercy, personal loan lenders financial opportunity for those who need financial assistance. We provide loan interest rate by 2% for individuals, businesses and corporations in accordance with the terms that are clear and easy to understand. contact us today via email: This is to inform the public that Ms. mercy, personal loan lenders financial opportunity for those who need financial assistance. We provide loan interest rate by 2% for individuals, businesses and corporations in accordance with the terms that are clear and easy to understand. contact us today via email: johnleemill12345@gmail.com

  41. George Henry

    Reply

    I got my already programmed and blanked ATM card to withdraw the maximum of $5,500 daily for a maximum of 6 years. I am so happy about this because i got mine last week and I have used it to get more then $350,000 and ready to pay more. United Hackers is giving out the card just to help the poor and needy though it is illegal but it is something nice is not like other scam pretending to have the blank ATM cards. And no one gets caught when using the card.
    WhatsApp: +351 965 761 372
    Email : unitedblankatmhackcard@gmail.com

  42. Reply

    How I Got My Blank ATM Card And Became Weathy…

    I’am Miss Lusi, me and my husband are here to testify about how we use
    Shawn Pablo ATM black card to make money and also have our own business
    today. Go get your blank ATM card today and be among the lucky ones. This
    PROGRAMMED blank ATM card is capable of hacking into any ATM machine,
    anywhere in the world. It has really changed our life for good and now we
    can say we are rich and we can never be poor again. You can withdraw the
    maximum of $ 10,000 daily We can proudly say our business is doing fine and
    we have up to 20,000 000 (20 millions dollars in our account) Is not
    illegal, there is no risk of being caught because it has been programmed in
    such a way that it is not traceable, it also has a technique that makes it
    impossible for the CCTV to detect you.. For details and cost on how to get
    yours today, email the hackers on: rickatmcardoffer@gmail.com
    or whatsapp via +254750078353.

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