Generally, I'd expect that you could purchase as an investor or second home and get a loan with 20% down. It also depends on the home price and your income. You would likely have to pass international credit and background check. In the US for owner occupants, the general requirements are summarized in the Trulia Blog: I have bad credit and no savings. Can I get a home or am I stuck renting? If you meet these standards, I could direct you to several lenders. If you appreciate an answer, please give "thumbs up". For the most helpful answer, please say thanks with a "best answer" click.