Are you a non-U.S. citizen dreaming of owning a vacation home, second home, or investment property in the United States? Whether it’s a cozy beach house for family getaways or a rental property to grow your wealth, the Foreign National loan makes it possible for you to achieve your goals. Designed specifically for non-citizens, this loan offers a straightforward path to property ownership without the hurdles of traditional U.S. mortgages. Here’s what you need to know.

Why Choose a Foreign National Loan?

This loan is built for people like you—non-U.S. citizens who want to invest in American real estate. Whether you’re buying a second home to enjoy during visits, a vacation property for relaxation, or an investment property to generate income, this program is flexible and accessible. Best of all, you don’t need U.S. citizenship or a U.S. credit history to qualify.

How It Works

The Foreign National loan offers two main options: Purchase/Rate-Term Refinance (for buying or refinancing a property) and Cash-Out Refinance (to access your property’s equity). Here’s a simple breakdown:

Option 1: Buying or Refinancing a Property

• Finance up to 75% of the property’s value—so you can buy with a manageable down payment.
• No U.S. credit score needed—perfect if you don’t have a credit history in the U.S.
• Borrow up to $3 million (or $2 million for some investment properties)—great for everything from modest homes to luxury estates.
• Keep your other expenses in check—the program allows a debt-to-income ratio up to 50%.
• For rentals, the property’s income should cover the mortgage (a 1.0 Debt Service Coverage Ratio).

Option 2: Cash-Out Refinance

• Access up to 70% of your property’s value—use the cash for renovations, other investments, or anything you need.
• No U.S. credit score required—same as the purchase option.
• Unlimited cash-out if you borrow 60% or less of the property’s value; up to $500,000 for higher amounts.
• Flexible debt-to-income rules—up to 50% is allowed.
• For investment properties, the rental income should support the loan (1.0 DSCR).

A Big Advantage: We have options with No Credit Reference Letters required

Worried about proving your creditworthiness? With this loan, you don’t need to provide credit reference letters from banks or lenders. This makes the process easier, especially if most of your financial history is outside the U.S. The focus is on your ability to manage the property and loan, not complicated paperwork.

Is This Loan Right for You?

This program is perfect if you:

• Want a second home to visit whenever you’re in the U.S.
• Dream of a vacation home for holidays and getaways.
• Plan to invest in rental properties to earn income or build wealth.

No matter where you’re from, this loan helps you own property in the U.S. without needing a U.S. credit score or citizenship.

How to Get Started

Ready to take the next step? Connect with us today who understands the Foreign National loan and can guide you through the process. Reach out to one of our advisors today!, at (800) 517-4240 or info@oceancapitallending.com. They’ll answer your questions, explain your options, and help you find the perfect property.

Your piece of the American Dream Awaits

Owning a home or investment property in the U.S. is within reach. With the Foreign National loan, you can buy with confidence, knowing the process is designed for non-citizens like you. No U.S. credit score, no problem. Flexible terms, big possibilities. Contact a specialist today to start your journey to U.S. property ownership.

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Investing in U.S. real estate can be attractive for foreign nationals due to several key factors:

1. Stable Market and Economic Environment: The U.S. offers a relatively stable political and economic system, which supports long-term real estate investment. Property values in many regions have historically appreciated over time, providing potential for capital gains.
2. Diversification: Real estate in the U.S. allows foreign investors to diversify their portfolios beyond their home country’s markets, reducing risk tied to local economic fluctuations or currency volatility.
3. Rental Income Potential: High-demand areas, such as major cities or tourist destinations, offer opportunities for consistent rental income, especially through short-term rentals (e.g., Airbnb) or long-term leases.
4. Currency Strength: The U.S. dollar is a global reserve currency, offering a hedge against currency depreciation in an investor’s home country. Holding assets in USD can provide financial security.
5. Tax Advantages: Foreign investors may benefit from tax deductions on mortgage interest, property taxes, and depreciation, though tax treaties and local laws should be reviewed. The U.S. does not impose capital gains tax on foreign investors in some cases, depending on the structure of the investment.
6. Access to Financing: Some foreign nationals can secure U.S. mortgages or loans, often at competitive rates, allowing leveraged investments that can amplify returns.
7. Lifestyle and Immigration Benefits: Owning U.S. property can serve as a foothold for future relocation, vacations, or retirement. While real estate investment alone doesn’t grant residency, it can complement visa programs like the EB-5 for those seeking immigration options.
8. Global Demand and Liquidity: U.S. real estate, especially in prime locations (e.g., New York, Miami, Los Angeles), enjoys strong international demand, making it easier to sell properties when needed.

Foreign investors should be aware of tax implications (e.g., FIRPTA withholding), legal restrictions, and the need for local expertise that’s where we can help with financing, acquisition, sales, leasing, property management and risk mitigation. Acquisition, sales and property management provided by Ocean Capital Real Estate Services Group, LLC www.ocresg.com. Risk mitigation services provided by Ocean Capital Financial Group, LLC www.oceancfg.com. Currency exchange risks and property management logistics are also factors if investing remotely.