Foreign National Program: Bridging Local Finance to Global Borrowers

Empowering International Buyers with Tailored Financing Solutions.

Insignia Mortgage recognizes the unique challenges faced by foreign nationals when navigating the U.S. real estate market. Our Foreign National Program is specifically designed to bridge these gaps, offering a seamless path for international investors and homebuyers to acquire or refinance properties in the United States.

Talk with a Loan Expert

Schedule an appointment and an expert will call you back when it’s convenient for you.

Our relationships with local banks and credit unions as well as large international banks are built on a mutual understanding of the intricacies involved in assessing foreign-based financial documents and loan applications.

Our lenders custom-tailor the loan to meet the diverse needs of international buyers. Our jumbo loans range from $500,000 to $25M, with financing up to 65% of the purchase price. We welcome various ownership entities, including trusts, irrevocable trusts, LLCs, and corporate ownership, providing the flexibility needed for diverse investment strategies.

5/6 ARM 1
Interest Rate
APR
6.250%
6.436%
(Up to $25,000,000)
As Seen In: comb-bloom-wall

Program Highlights

No U.S. Financial Footprint Required

Qualify for a loan without the need for U.S. income, credit history, or assets, making it easier for foreign nationals to invest in U.S. real estate.

Enhanced Terms with Banking Relationships

While not a prerequisite, establishing a banking relationship and opting for auto-pay may lead to improved loan terms, offering additional benefits to our clients.

Interest-Only Options

Enjoy the flexibility of interest-only loan programs available for terms ranging from 3 to 10 years, coupled with a 30-year amortization period, providing manageable payment structures for international investors.

No Prepayment Penalties

Experience the freedom to manage your investment with no prepayment penalties on primary residences and second homes, ensuring maximum flexibility for your financial planning.

Unlocking Opportunities for Global Investors

Insignia Mortgage is dedicated to empowering foreign nationals with the financial tools and insights needed to successfully invest in the U.S. real estate market. Our Foreign National Program is a testament to our commitment to providing inclusive, flexible, and expertly crafted financing solutions that cater to the global investor.

Whether you’re looking to purchase a new home to live in or seeking investment opportunities in the vibrant U.S. property market, Insignia Mortgage is here to guide you every step of the way. Contact us today to explore how our Foreign National Program can help you achieve your real estate goals with confidence and ease.

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Loan Transaction Spotlight

The Situation: Insignia Mortgage recently closed on a $20million second home purchase for a foreign corporate executive with 60% lender financing from a foreign bank which had small presence in California.

The Solution: 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
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