Work visa holders
A Visa Near Expiration Does Not Have To Kill The Loan
How work visa holders can bridge an upcoming expiration, the accepted visa types, and the program limits.
Get the guide
Guide · Foreign nationals
No US Credit? Still Financeable
No US credit score and no Social Security number? Many people assume that means no mortgage. For a second home or an investment property, there may be another way to show your credit.
Who it is for: Foreign nationals buying a second home or an investment property in the US, with no US credit history.
Prefer to talk? Call 732-686-9999
- Direct, licensed mortgage lender
- NMLS #103098
- Equal Housing Lender
- Direct, licensed lenderNMLS #103098. Check our licences on NMLS Consumer Access.
- Short and plainWritten for one situation, in plain words.
- Email or textYou choose how the guide reaches you.
- A real personQuestions? A licensed loan officer at 732-686-9999.
Why it matters
No US credit is not an automatic no
Most foreign buyers, and many loan officers, assume that without a US credit report there is no loan. Some programs instead look at your real credit history from home, documented in a way a US underwriter can read.
This path has limits. It is for a second home or an investment property, not a main home, and it asks for a larger down payment than a typical purchase. If you already have US credit, a conventional loan is usually simpler, and we will tell you so.
What the guide covers
- How credit from your home country can stand in for a US score
- The kinds of accounts and documents that count
- The general limits to know up front
- When a simpler path beats this one
- Moves to make before you apply, and questions worth asking
The honest part. If you already have a US credit score, a conventional loan will usually be simpler, and we will say so.
Get the guide
Where should we send it?
Fill in the short form and choose email or text. We confirm your mobile number with a text code, then send you No US Credit? Still Financeable.
- Your choice of delivery. By email or by text message, whichever suits you.
- Short and plain. Written for one situation, in plain words.
- Questions after you read it? Call a licensed loan officer at 732-686-9999.
Get the guide
Tell us who you are and where to send it. We confirm your mobile number with a text code first.
This form needs JavaScript. You can also call us at 732-686-9999 and we will send the guide.
Thank you, .
Please call us at 732-686-9999 and we will send you No US Credit? Still Financeable.
Staging test site: the link may answer "Not found" here, because the staging server cannot read the guide files. On the live site it opens the PDF.
We use these details to send what you asked for and to follow up about it. See our Privacy Policy.
Keep reading
More guides and tips
Rental investors
DSCR Loans, Decoded for Investors
How a DSCR loan reads the property’s rent instead of your tax returns, what the lender still checks, and the honest tradeoffs.
Get the guide
Buyers
Buy Now or Wait: The Honest Math
How lenders size a payment, why buying power moves, and the honest case for waiting.
Get the guideReady to get pre-approved?
Apply online, get a quote, or talk it through with a licensed loan officer.
This page is general information, not a commitment to lend. Programs, terms and eligibility depend on credit, income, property and underwriting review and are subject to change without notice. The guide is general information, not tax, legal or immigration advice.