Foreign National - Nations Branch

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For those borrowers looking for a home or a piece of real estate in the United States, our foreign national home loan program is tailored toward those who lack credit history in the U.S. but are looking to purchase a primary residence, second home, or investment property here. This program makes it easier than ever to pre-qualify for a mortgage, regardless of their lack of US credit.

Correspondent Non-Delegated

SG Capital - EA Core *Currently unavailable

• Target foreign nationals interested in second/investor homes in the US
• Streamlined income verification process
• No specialty translator, can use google translate
• LLC with personal guarantee permitted

Deep Haven – Foreign National *Currently unavailable

• Foreign Nationals who are in the U.S. legally
• BK/FC/DIL/SS seasoning >24mos
• Borrower’s may be considered if No SSN or ITIN
• Second Homes and Investment properties, 1-4 family
• Minimum Tradelines requirement can be met with Qualifying Foreign Credit or in combination with U.S. credit.
• Max DTI 50% for second homes
• No reserves required for DSCR Options

Broker Non-Delegated

Angel Oak – Foreign National

• Program is for borrowers that live and work outside of the US

Sprout Mortgage – Jumbo Prime (J10)

• DTI up to 50%
• Non-Warrantable/Condotel OK
• 3 months reserves up to $1M
• Cash-out can be used to meet reserve requirement
• Gifts OK
• 1x30x12 OK on mortgage
• 1 appraisal up to $1.5M
• Foreign Nationals permitted
• No MI on any product

Sprout Mortgage – Asset Optimizer (A11)

• DTI up to 50%
• Assets do NOT need to be liquidated or tied to the mortgage
• Non-Warrantable/Condotel OK
• 3 months reserves up to $1M
• Cash-out can be used to meet reserve requirement
• Gifts OK
• 1x30x12 OK on mortgage
• 1 appraisal up to $1.5M
• Foreign Nationals permitted

Sprout Mortgage – Debt Service Coverage I10

• Investments only
• Non-Warrantable OK
• 3 months reserves up to $1M
• Cash-out can be used to meet reserve requirement
• Gifts OK
• 1x30x12 OK on mortgage
• 1 appraisal up to $1.5M
• Foreign Nationals permitted

Thanks!

Let's talk! 800-459-7512