Interested in Foreign National Loans?
An expert will call you back when it’s convenient for you.
As Seen In:
Foreign National Program
The ideal mix of flexible products and lending expertise for foreign nationals.
Insignia Mortgage has built unique lending relationships with sophisticated local banks and credit unions that understand how to review a foreign buyer’s loan application and how to assess foreign-based financial documents. We offer customized programs for foreign buyers seeking jumbo loans.
- No US credit required. Foreign tax returns OK. Foreign assets allowed.
- Individual Tax Identification Number (ITIN) permitted. Borrowers not required to have a social security number.
- Unique jumbo lending programs available for expatriates and borrowers currently living abroad for primary, second home, and investment properties.
- Loan amounts up to $25 million and loan-to-values up to 65%.
- Interest-only loan programs available from 3 to 10 years with a 30-year term.
- Irrevocable, blind trust, Limited Partnership, Corporate, and LLC vesting all welcome.
- The minimum loan amount is $500,000
Loan Experts
From my early career as a sales associate through my years as the owner of a successful Los Angeles-based real estate company, I gained solid respect for the important role a mortgage lender plays in the successful purchase of a residential property. In my experience, Insignia Mortgage consistently accomplished what others could not. I not only use the firm for my personal finance needs but unhesitatingly recommend Insignia to my friends and colleagues.
John Aaroe, Owner, John Aaroe Real Estate
I have done business with Chris Furie for over 20 years and I look to Chris and Damon to source financing on my most complex transactions that require an out-of-the-box lending solution.
Kurt Rappaport, Westside Estate Agency, Wall Street Journal #4 Ranked Realtor 2013
I want to thank you for your help in getting me my loan. You not only got me a great loan that I’m very happy with, but you stayed on it from beginning to end and made me feel very comfortable through the process. You are the best in the business and I would suggest you to anyone buying a house.
Jay Luchs, Newmark Grubb Knight Frank
For over 14 years, I have used Chris’ services to obtain mortgage loans for many of my high-end clients as well as my own mortgage needs. He consistently provides the best terms and rates available in the market place. I will continue to recommend him to my friends and clients in the future.
Joyce Rey, Executive Director Coldwell Banker Previews International
Chris is highly attuned to the needs of the borrower and tailors his loan recommendations accordingly. No matter how complex the terms may be, I can always count on Chris to deliver my clients the best deal possible, on time and without fail.
Jade Mills, Estates Director Coldwell Banker – Beverly Hills
Our Foreign National Loan Program has the following added features:
Chartered account letter verifying income from borrower’s home country.
LLC, trust, or corporation vesting in property to protect prospective borrower’s U.S. home asset.
Domestic and foreign bank assets used for qualification purposes.
Foreign credit reports welcomed if available.
Transaction Spotlight
The Situation: Global Borrower Seeking Jumbo Loan
Insignia Mortgage closed on a $20 million second home purchase for a foreign corporate executive with 60% lender financing acquired from a foreign bank holding a small presence in California.
The Solution: Foreign National Loan Program Success
Insignia Mortgage worked with the client’s foreign legal counsel and US-based CPA to properly structure the purchase in a tax-efficient manner. The client purchased the home using an LLC with the buyer guaranteeing the loan. We helped the loan go through successfully despite not having U.S. income, credit, or assets.
The Loan Details
- $13 million loan amount
- 5/1 ARM
- 6.250% APR
- 30-year term with no prepayment penalty
- 28-day close of escrow
