International clients
Financing a U.S. home from Asia or overseas.
Many families in Asia buy homes in the United States — for relocation, for children studying here, or as an investment. Dan helps overseas clients understand U.S. financing options and prepare documents before they buy.
Talk with Dan about loans for overseas buyersMay be a good fit if…
- You live in Asia or abroad and want to buy property in the U.S.
- You hold a work visa or are relocating to the U.S.
- You are buying a home for family members studying or working in the U.S.
What to know about loans for overseas buyers
Residency affects options
Permanent residents can often use the same programs as U.S. citizens. Non-permanent residents and foreign nationals may qualify for specialized programs that vary by lender.
Larger down payments are common
Foreign national programs usually require a larger down payment and cash reserves than standard U.S. loans.
Plan your documents and funds
Expect to provide passports, proof of income and assets (with translations where needed), and to move funds into a U.S. account well before closing.
Questions worth asking
- Which loan programs fit my residency or visa status?
- How early should I move funds into a U.S. bank account?
- Do I need a U.S. credit history or an ITIN?
Frequently asked questions
Can a foreign national get a mortgage in the U.S.?
Yes, some lenders offer foreign national loan programs. They typically require a larger down payment, cash reserves, and documentation of income and assets. Terms vary by lender.
Do I need a U.S. credit score to buy a home?
Not always. Some programs accept alternative or international credit documentation, but requirements vary by lender and program.
Can we meet remotely from Asia?
Yes. Consultations can be held by phone or video call, and many steps of the loan process can be handled electronically.
Your next step
Want to see how this applies to you?
Dan The Truong, NMLS ID 2115125. Information is for educational purposes only and is not a commitment to lend or an offer to extend credit. Eligibility, rates, and terms depend on credit, income, property, and underwriting, and may change without notice. Loans are offered only in states where Dan The Truong is licensed — see NMLS Consumer Access.