Who it’s for
- Non-citizens buying a U.S. second home or investment property — and some primary-residence cases we confirm together.
- Buyers abroad who can show a clean fund trail into the U.S. (AML checks are normal).
- People who expect fuller asset documentation than a typical domestic conventional purchase.
How I help
Yes — non-citizens can finance a U.S. home. It is usually a specialty path, not the Fannie first-time-buyer flyer. Credit rules vary (U.S. score, foreign credit, or assets). Occupancy and property type matter.
Typically you’ll bring more down payment than a U.S.-citizen conventional purchase — I won’t freeze a percent on this page. Guidelines vary by lender. I’ll walk you through the program and the guidelines that apply to your situation. If you file U.S. taxes with an ITIN, also see ITIN loans.
What to expect
Passport/ID context, how you’ll use the house, and how funds arrive. Licensed states only: Arizona, California, Colorado, Idaho, Illinois, Kansas, Michigan, Missouri, Montana, and Texas. Related: investment, DSCR, conventional.
Next step
Apply or book a call. One application — I’ll guide you through options with 300+ lenders in my channel. No immigration advice; mortgage path only.
Purchase, refinance, and most programs: Apply opens my Bevri application. Prefer to talk first? Use Talk to Michael. I’ll walk you through the program and the guidelines.