Foreign National Programs

We help our clients achieve their dreams by creating specially tailored funding solutions including commercial bridge loans for acquisition, construction, land, development, workouts, bankruptcies and foreclosures. 

Our knowledge and resources mean we can close in as little as 5 days for loans from $1 million to over $50 million with a loan to value ratio of up to 75%. We are experienced internationally serving clients in the Mexico, Canada, Europe, the Caribbean and Central and South America, Taiwan, Cambodia, China, Malaysia, Philippines, Thailand, and Vietnam.

Unlike traditional lenders, our experience and dedication enables us to understand your unique circumstances and then create a custom funding solution that aligns with your vision and goals.

Our principals manage every loan because we believe every client deserves the best expertise in the business.

Foreign National Borrower (FN)

Individuals who are not a resident of the United States and does not permanently reside or work in the United States. Must have an unexpired passport from their country of citizenship.

Ineligible Residents of any country not permitted to transact business with US companies (as determined by any US government authority). Any translations required must be completed by a Certified Translator.

If closing is taking place outside the US it must be scheduled at the US Embassy or Consulate.

Primary – Not Allowed

2nd Home

Investment

Income

Self Employed Foreign National

A letter (on company letterhead) from a professional based in the borrower’s country of residence – Accountant/CPA/financial institution officer/licensed financial advisor verifying both the nature of the business and income figures for the last two years and year-to-date income figure. Must be translated into English by a certified translator (if applicable).

Validation of the existence of the business through Internet webpage address, or business/operator license from a governmental office.

Foreign tax returns may be required.

Wage Earner Foreign National

A letter (on company letterhead) from an authorized representative of the employer stating employment history (position/title, time on job), Year to date earnings and earnings for the prior two years. Must be translated into English by certified translator if (applicable).

Foreign tax returns may be required.

Eligible Assets

Assets held outside the US are eligible, must have a copy of their 2 most recent bank statements (bank statements must be translated into English, if applicable).

US Assets provide 2 months recent bank statements.

Gift funds are allowed – most recent bank statement of donor must be provided (translated into English, if applicable) and gift letter provided from donor.

Credit

US credit not required.

If no foreign credit report is available, the following can be provided: 3 credit reference letters translated into English with a 24-month history.

Vesting

Vesting in a LLC is allowed but it must be a United States LLC and none of its members can be foreign entities.

ITIN Programs

Individual Taxpayer Identification Number (ITIN)

Individuals with an ITIN who reside and work within the United States but do not possess US citizenship.

Required evidence: Unexpired ITIN card or IRS issued letter verifying ITIN issuance and unexpired government photo ID (driver’s license, passport, visa, etc.).

2 year history of residing and working in the US

Valid US FICO with minimum 2 scores

12 month housing history is required

The PWE must meet minimum tradelines: 3 tradelines reporting for 12+ months with activity in the last 12 months or 2 tradelines reporting for 24+ months with activity in the last 12 months

If the PWE has 3 credit scores, the minimum tradeline requirement is waived