Can I get a loan as a foreigner (without having a permanent address in the US)?

Asked by S.baesler, Cape Coral, FL Fri Jun 15, 2012

Are there any extra fees? I learned that interest rates depend mainly on the borrower’s credit score. How can I get a personal credit score without having a permanent address in the US?

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Terry McCarley’s answer
Terry McCarl…, Agent, Cape Coral, FL
Mon Jun 18, 2012
I work with a couple of lenders that could assist you. I also have a detailed brochure that explains what non US citizens should know when buying or selling property in the US.

Feel free to contact me for lender contact information or if you would like me to email you a copy of the brochure.

Terry McCarley, Realtor, CDPE
Jones & Co Realty
0 votes
Howard Vogin, , Boca Raton, FL
Sat Jun 16, 2012
Sure, there are lots of avenues. You mention credit score, as a foreign national (non-US Citizen) the loan process is different. There is such a thing as an international credit report and also they will ask for different items for your qualification. Try US Mortgage of Florida or New Penn Financial for a foreign national loan.

Good Luck

Howard Vogin
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x, , Cape Coral, FL
Fri Jun 15, 2012
I can get you started to answer that question- first you should E-mail me at, so we can get some general info, then I will contact my mortgage person and forward the info,then go from there.
Thank You: Douglas Pelton of Blackburn Realty Inc.
0 votes
Steve Geving, Agent, Fort Myers, FL
Fri Jun 15, 2012
Yes, a non U.S. citizen can buy a home. Fees are comparable to what U.S. citizens pay and down payment typically starts at 30%. Interest rates are roughly 5-5.75%.

Steve Geving:
(O) 239-573-1400
(C) 239-321-1395
(F) 239-288-0537
Jones and Co Realty
0 votes
Neil Blair-B…, Agent, Cape Coral, FL
Fri Jun 15, 2012
There are foreign national loans available as Danielle has stated. BBVA Compass bank has a good program with 25% down. There is also a program called HOAP Homes available in Florida and South Carolina that offers a straight 20% down on their existing or new build homes. That 20% covers all loan fees and closing costs and requires limited documentation with no credit requirements, just the 20% down payment and proof of ability to make the payments.

Neil G. Blair-Bennett
239+ 645-3798
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Danielle Sha…, Agent, Cape Coral, FL
Fri Jun 15, 2012
Foreign national loans are obtainable but often depend on which country you call home. The downpayment is anywhere from 30% of the purchase price on up and there will be closing costs associated with the loan like any other buyer here in the States pays. Some countries have their own types of credit scores which are used for foreign national loans here.

There are a few people I would be happy to put you in touch with that provide these types of financing.
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