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The Full Documentation Foreign National Loan Program is built for international buyers who can present a complete financial profile and want premium pricing, flexible loan structures, specialized cross-border guidance, and an efficient path to closing. By documenting your income, assets, credit, and overall financial standing, you can access higher loan amounts, stronger terms, and some of our most competitive foreign national interest rates for second homes and investment properties in the U.S.
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Approval is based on a full review of your verified financial profile as a foreign national. You provide complete income, employment, asset, and credit documentation—typically from your home country and/or international banks—so underwriting can clearly assess your repayment capacity under standard guidelines. With this detailed picture, we structure your loan to target the strongest pricing available, flexible term and amortization options, expert guidance in your language, and a smooth, predictable closing process, whether you buy in your personal name or through an eligible LLC (per program rules).
Note: Some documents may need certified translation or official English versions, depending on lender requirements.
Feature | Detail |
Program Type | Full Documentation Foreign National mortgage |
LTV | Up to 75% LTV (subject to profile, property, and program guidelines) |
Loan Amount | From $150,000 and up |
Property Types | Single-family homes, condos, and townhomes (second home or investment) |
Occupancy | Second homes and non-owner-occupied / investment properties |
Credit Requirements | Credit report required (U.S. or acceptable foreign credit / bank references per program) |
Terms Available | 30-year fixed and selected adjustable-rate (ARM) options |
Documentation Type | Full income, employment, asset, and credit documentation as a foreign national |
Ownership Options | Personal name or eligible LLC ownership, subject to program rules |
Prepayment Penalty | Typically 1–3 years (optional, depending on program selection) |
Typical Closing Time | Approximately 3–5 weeks, depending on documentation, translations, and property status |
BarCorp Financial Group, NMLS #1746897. BarCorp Financial Group is a mortgage broker and does not make commitments or fund loans. Information provided is for general informational purposes only and is not a loan approval, Loan Estimate, or commitment to lend.
All loans are subject to underwriting approval, lender guidelines, and property qualification. Not all applicants will qualify. Product availability, interest rates, and terms are subject to change without notice and may vary by lender and state. Equal Housing Lender.
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