Buying U.S. real estate as an overseas investor is absolutely doable — but it follows a different path than a domestic purchase. Most U.S. banks lean heavily on a local credit history you don't have yet. The good news: a specialised set of lenders price foreign-national files on the strength of the property and your global financial profile instead. My job is to connect you with the right ones and translate the whole thing into plain English.
How foreign-national financing works
- Foreign-national loan programs. Dedicated products for buyers without U.S. credit history or residency — typically with a larger down payment (often 25–40%) standing in for a domestic credit profile.
- Documentation that fits your country. We work with international income, bank references, and your passport instead of a U.S. paper trail.
- Remote, time-zone-friendly process. Everything runs by email, call, or DM, with remote signing where it's allowed — you never have to be in the room.
- The full picture. I flag the things that catch overseas buyers off guard: currency exchange, U.S. tax withholding (FIRPTA), entity ownership through an LLC, and insurance.
Who I work with
Non-resident investors buying rentals, second homes, or multi-unit property; foreign nationals on a visa already living in the U.S.; and overseas buyers structuring a purchase through a U.S. company. Wherever you're based, the approach is the same — compare lenders, run the real numbers, and only move when it makes sense.
Start before you make an offer
A pre-approval tells you your real budget and the down payment a lender will expect, and it makes your offer far stronger in a U.S. market. It also surfaces the tax and ownership questions early, while there's still time to plan around them.
How it works with me
- Free strategy chat. Tell me which country you're based in, the kind of property you're after, and your budget.
- Match the right lenders. I shop your file across lenders who actively accept foreign-national borrowers.
- Model the numbers. Rate, down payment, payment, and cash flow — with currency and tax considerations called out.
- Close remotely. I coordinate the loan, the paperwork, and remote signing so distance is never the obstacle.
Common questions
Do I need a U.S. credit score or Social Security number?
Not for foreign-national programs. Lenders substitute a larger down payment and international references for a domestic credit file. If you do have U.S. credit, even better — it can widen your options.
How much do I need to put down?
Expect more than a domestic buyer — commonly 25–40% depending on the lender, property, and your documentation. We'll target the structure that fits your situation.
Can I buy through an LLC?
Often, yes, and many international investors do for liability and tax reasons. I'll coordinate with your attorney or accountant so the financing and the ownership structure line up.
Will you handle everything remotely?
Yes. The entire process — consultation, document collection, and signing where permitted — runs by call, email, or DM across time zones.