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Foreign National/ITIN Loans


Individual tax identification number (ITIN) loans are for people who are not eligible for Social Security numbers. (ITINs are issued to both resident and nonresident aliens for tax-reporting purposes.) Historically, the biggest market for these types of loans is illegal immigrants. Because of the potential for controversy around these loans, it is difficult to find lenders who will do them. 

5 Arch Funding Corp.
5 Arch Funding's fix-n-flip, hold and buy and hold/refinance programs are available to U.S. based entities with foreign ownership. We are borrower-centric and provide the best choice for international investors and close in less than 30 days. Brokers welcome. Call today!
Lending Territory: AZ, CA, CO, FL, GA, HI, IL, IN, KS, MD, MO, NV, NY, NC, OR, SC, TN, TX, UT, WA

A & D Mortgage
A & D Mortgage specializes in foreign nationals' mortgage loans in south Florida only. Loans are up to $15M. Maximum 70% LTV. SFR, condo and condo-hotel property types. Best rates available.
Lending Territory: FL

ACC Mortgage Inc.
ACC Mortgage offers financing for both Foreign National and ITIN applicants! Limited doc. Loan sizes $100K - $750K. Brokers protected.
Lending Territory: NATIONWIDE

Amerifund Home Mortgage
We'll lend to foreign nationals up to 70% LTV, no prepay, $500K - $20M, five-year (5) fixed int. only, 30-year amortization, no balloon. Niche lending at its core – common-sense – primary, second, foreign nationals, condo, co-op, 1 - 4, multifamily, mixed…all are OK.
Lending Territory: NATIONWIDE except AL, KS, KY, LA, MN, MO, MS, MT, WY

BofI Federal Bank
BofI offers portfolio loans to Foreign National borrowers. No credit scores required. Max LTV 50%, minimum loan amount $300K to a maximum of of $10M. No restrictions from our regular expanded types, nor underwriting features. Investment properties for foreign national borrowers considered on a case-by-case basis.
Lending Territory: NATIONWIDE

California TD Funding Inc.
No minimum FICO. We are an equity-driven & direct-private lender. Property types preferred are non-owner-occupied SFR, multifamily & commercial. 65% LTV or less in Southern CA is ideal. All loans are fixed-rates and usually contain no prepay penalties.
Lending Territory: Southern CA

Citadel Servicing Corp.
Yes, we finance true foreign nationals. You only need a passport, an international credit report or letter of good standing with your current financial institution and VOD in U.S. denominations.
Lending Territory: AZ, CA, CO, FL, GA, ID, NC, OR, TX, UT, VA, WA

Crawford Real Estate Services Inc.
Lending Territory: CA

Equity Wave Lending
Purchase investment property program with LTV up to 65% or business purpose refinance with LTV up to 60% on single family residence, condo or mixed use properties. Stated income and assets, valid ID required. Loans are fixed rate, 3-5 year terms payment amortized over 40 years, with a 0-1 year prepayment penalty option.
Lending Territory: CA

First National Bank of America
No credit scores required. LTVs up to 80%. Property types include investment property, 2nd home, owner-occupied single-family, condos, duplexes, townhouses, etc. Loans are fixed rate.
Lending Territory: NATIONWIDE except CA

Inner Core Capital
Private money financing, non-owner-occupied 1-4 Units, multifamily, land and construction. From $50K to $5M, purchase loans up to 70%, refinance 65% LTV. We lend to LLCs, corporations, foreign nationals, landlords and flippers. Call or send loan scenario for quick decision.
Lending Territory: CA

LendingHome Funding Corp.
1-4 Residential. Reliable capital. Competitive terms. Transparent process. Best broker program!
Lending Territory: AZ, CA, CO, FL, GA, IL, MI, MO, NC, NV, NY, OH, OR, PA, TN, TX, VA, WA, WV

PSG Capital Partners Inc.
We lend primarily in Southern California: LA, Riverside, San Diego and Ventura counties. For fast pricing, e-mail John at
Lending Territory: CA

SDC Capital Funding
We are a private lender based in Los Angeles. We provide bridge financing on residential and commercial properties located in California. We are an asset based lender so we do not require pay stubs, income tax returns, etc. We underwrite loans based on our own guidelines, which allows us to approach underwriting logically and efficiently. We generally lend up to 70% of value, higher with exception.
Lending Territory: CA

Visio Financial Services
Our no-doc investor loans, from the 12-month fix-and flip to 30-year due-in-3 are all available to foreign nationals. We just need a U.S.-based bank account, social security number, ITIN, EIN or W8, and a U.S. or other government-issued picture ID (passport, visa, work ID, driver’s license, etc.). Close in weeks, not months. Minimum FICO is 630 and rates start as low as 11.99%.
Lending Territory: NATIONWIDE except AK, AZ, CA, DC, DE, HI, ID, KS, MA, MN, MT, ND, NE, NV, OR, RI, SD, VT

Click on the company name to see its contact information from the Residential Lender Directory. Don't forget to tell lenders you found them in Scotsman Guide when you call. Please click here to request adding a topic or lender to this section.


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