Finance category
Mortgage, loan, investing, tax, and money calculators.
Foreign National Loan Pricing Calculator
Foreign national loans serve non-US-resident investors in US real estate.
Max loan
$780,000
Total rate
0.09%
Required down payment
$420,000
How the math works
Max loan = value × LTV. Total rate = base + premium.
$1.2M × 65% = $780k max loan. 7% + 2% = 9% rate. $420k down payment required.
How to Use
- Enter property value.
- Enter max LTV %.
- Enter base rate %.
- Enter foreign national premium %.
- Enter reserve months required.
- Read pricing + requirements.
Frequently Asked Questions
What is foreign national loan?
US-issued mortgage for non-resident foreigner purchasing US real estate. Borrower has no US SSN, US tax return, US credit history. Lender provides financing using: international income verification, foreign asset verification, international credit report equivalent, higher down payment, higher rates. Common in: NYC, Miami, LA investor markets.
Typical terms?
LTV: 60-75% max (vs 80-95% for US residents). Rate: 150-300 bps above US-resident rate. Down payment: 25-40% cash required. Reserves: 12-24 months of debt service. Documentation: international bank statements, employer letter, passport, visa, overseas credit reference. Some lenders require US bank account pre-closing.
Who are foreign national buyers?
Chinese, Canadian, Mexican, Brazilian, UK, and Middle Eastern investors are major groups. Motivations: US safe haven, USD diversification, residency path (EB-5 investor visa), vacation home, education (second home for children). Transaction volumes highest Miami, NYC, LA, SF. Regulatory compliance (FinCEN, OFAC) critical — AML requirements strict.
Alternative: cash + DSCR?
Many foreign buyers pay cash, then DSCR refinance after seasoning (6-12 months). Combined strategy: cash purchase (closes fast, won), then DSCR refi at seasoned property (pulls equity, reinvests). Net economics often better than foreign national mortgage. But: requires large initial cash. Wealthy foreign investors increasingly use this 2-step approach.
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