> ## Documentation Index
> Fetch the complete documentation index at: https://cameron.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Foreign Nationals

> Specialty mortgage options for non-US citizens without residency status

Foreign nationals—non-US citizens without permanent residency—can qualify for specialty mortgages with certain lenders. These programs allow international buyers to purchase US real estate without a Social Security number or US credit history.

## Who Qualifies

For mortgage purposes, a foreign national is someone who is not a US citizen and does not hold a green card or valid work visa. Visa holders and green card holders typically qualify under standard self-employed mortgage programs instead.

## Typical Requirements

| Requirement  | Common Guidelines          |
| ------------ | -------------------------- |
| Down payment | 25-30% minimum             |
| Maximum LTV  | 65-75%                     |
| Reserves     | 12-24 months PITIA         |
| Loan amounts | \$100,000 to \$3-5 million |

Requirements are stricter than standard programs due to additional risk factors.

## Documentation

* Valid passport from country of origin
* Foreign tax ID number
* 12-24 months of bank statements (foreign or US accounts)
* International credit report or alternative credit references
* Employment or business verification

## Additional Considerations

**Higher rates** — Expect rates 0.5-1.5% higher than standard programs.

**Property types** — Most programs allow second homes and investment properties. Primary residence options are less common.

**US bank account** — Required for mortgage payments, must be established before closing.

**FIRPTA** — Foreign Investment in Real Property Tax Act requires withholding on future property sales. Consult an international tax advisor before purchasing.