Can Non US Citizens Get A Mortgage

Performance Property Real Estate Question

Q: I’m not a US citizen. Can I get a mortgage to buy a home? Carlos, Union, City, NJ

A: Most people assume that people without U.S. citizenship can’t qualify for a mortgage to buy a home. In fact, there’s a clear path to non-US citizens becoming a homeowner without paying cash for a home through programs often referred to as foreign national mortgages. Foreign national mortgage programs offer loans for which no U.S. credit history is needed to apply. Foreign national mortgage programs normally require non citizen home buyers to put down a 20% minimum down payment that can be used for owner occupied or investment residential properties. Thanks for your question, Carlos.

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Iradys Rivero| North Bergen, New Jersey

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