Find a local, licensed loan originator who works for a non-depository mortgage lender OR a mortgage broker. Either of these entities (and not a bank) will be able to help you locate a lender willing to lend. You do not have to be a U.S. read more
Most US banks will only lend after 2 years residency. HSBC will lend if you have an account - with substantial reserves - with them. I have a "hard money" lender that will lend to foreign nationals. Hard money means high interest rate like 8-10%, but it gets you into a loan and you can refi into a conventional loan when you have been here long enough. read more
But things have changed again, and many of the major banks are offering foreign national mortgages, says Rebecca Abella, senior vice president of residential lending and production manager at Total Bank in Miami. “These loans never really went away for some banks and some areas,” she says. read more
A Non-Resident alien is a citizen of a country other than the U.S. or a foreign national legally living in the U.S. We offer loans for the initial purchase or refinancing of primary and second homes only. read more