Exclusive pathways for international buyers entering premier markets.
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Foreign National loans are designed for non-U.S. residents who want to purchase property in the United States—whether as a vacation home, investment, or part of a global portfolio. These programs do not require U.S. credit history or income, making them accessible to international buyers who may otherwise face “cash-only” requirements. Instead, qualification can be based on foreign documentation such as passports, bank reference letters, or proof of assets, with options like DSCR and No-Ratio loans for even greater flexibility.
These loans remove one of the biggest barriers to U.S. real estate ownership for international buyers: the lack of domestic credit and income records. By providing tailored underwriting and competitive terms, Foreign National loans open doors to luxury and vacation properties in prime U.S. markets. Whether you’re expanding your investment portfolio or securing a second home abroad, this financing gives you the leverage and convenience of borrowing rather than tying up cash.
Elliman Capital’s lending team specializes in working with international clients, offering discreet, concierge-level service from the first conversation to closing. We coordinate with foreign banks, legal teams, and real estate agents to make the process seamless—no matter the time zone.
