This program removes the primary barriers for international buyers seeking U.S. real estate. You don’t need U.S. citizenship, residency, or a stateside credit history. Instead, Richmond-mortgage evaluates your global financial profile. They consider your credit from your home country, your foreign assets, and accept alternative forms of income documentation. This flexible approach is specifically designed to help non-residents qualify for a mortgage, making the dream of owning or refinancing property in the United States an achievable reality, no matter where you live.
No U.S. Credit Required — Qualify using foreign credit reports, bank statements, or international references.
Flexible Income Verification — Use overseas income, foreign employment, business statements, or asset documentation.
Investment & Vacation Homes — Finance second homes or rental properties in the U.S. rather than just primary residences.
Loan Options & Structures — Choose fixed-rate, adjustable-rate, interest-only, or DSCR‐style financing based on your goals.
High Loan Amounts Available — Depending on your profile, you may finance substantial purchases, sometimes up to millions.
Guided Process for International Buyers — We manage the complexities—from translation to fund transfers, foreign compliance, and closing logistics.
Ans: You can use foreign credit reports, institutional letters, or alternative references if U.S. credit is unavailable.
Ans: Yes many foreign national programs support refinancing or equity release.
Ans: Yes many foreign national loans don’t require U.S. residency or a Social Security number.
Ans: Typically yes because of added risk, interest rates & fees tend to be higher than standard U.S. mortgages.
Ans: Expect 20% or more, sometimes up to 30%, depending on property type and risk profile.
Ans: Single-family homes, condos, vacation homes, and investment properties often qualify.
