Question 1

Can I get a US mortgage without a Social Security Number?

Accepted Answer

Yes! NorthStar Funding offers mortgage programs for foreign nationals without a Social Security Number. You can qualify using an ITIN (Individual Taxpayer Identification Number) or with just a foreign passport. Our foreign national programs are designed specifically for non-US citizens investing in US real estate.

Question 2

What is an ITIN loan?

Accepted Answer

An ITIN loan is a mortgage program that accepts an Individual Taxpayer Identification Number instead of a Social Security Number. ITINs are issued by the IRS to individuals who need to file US tax returns but are not eligible for a Social Security Number. ITIN loans typically require 2+ years of US credit history and a US bank account.

Question 3

Do I need US credit history to qualify?

Accepted Answer

It depends on the program. ITIN loans typically require 2 years of US credit history. However, our Foreign Passport Only and Foreign National DSCR programs can qualify borrowers with no US credit history by using alternative credit references from your home country or the property's rental income.

Question 4

What property types can foreign nationals purchase?

Accepted Answer

Foreign nationals can purchase single-family homes, condos, townhomes, and 2-4 unit investment properties. Most programs are for investment properties only (not primary residence), though some ITIN programs allow second homes. Commercial properties and 5+ units may also be available.

Question 5

What down payment is required for foreign national loans?

Accepted Answer

Down payment requirements for foreign nationals typically range from 25-35% depending on the program, property type, and loan amount. ITIN borrowers with established US credit may qualify for lower down payments. DSCR programs for foreign nationals typically require 30-35% down.

Question 6

Can I get a mortgage if I live outside the US?

Accepted Answer

Yes, you do not need to live in the US to qualify for a foreign national mortgage. Many of our borrowers are overseas investors purchasing US rental properties. You will need to work with a US-based title company for closing, which can often be done remotely with proper notarization.

Question 7

What income documentation is required?

Accepted Answer

Income documentation varies by program. Foreign passport programs may accept income documentation from your home country (translated to English). DSCR programs for foreign nationals qualify based on the property's rental income, requiring no personal income documentation at all.

Question 8

Which countries are eligible?

Accepted Answer

NorthStar Funding works with borrowers from over 100 countries worldwide. Some restrictions may apply based on OFAC regulations and individual investor guidelines. Contact us to confirm eligibility for your specific country of citizenship.

Foreign National & ITIN Loans

Program Options

ITIN Holders

Foreign Passport Only

Foreign National DSCR

Borrowers from 100+ Countries

Key Benefits

Frequently Asked Questions

Confirm your foreign national loan. Most international buyers do.

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