Skip to content
tsmartcash

International mortgage

Buy a US home as a foreign national or ITIN holder.

Financing options for single-family homes up to fourplexes — whether you will live there, use it as a second home or rent it out. tsmartcash helps you prepare and connects you with a licensed mortgage partner for an expert review. Requirements vary by lender and program.

Request an expert review Estimate a payment
Property
1–4 unit homes
Occupancy
Primary, second home, investment
Handled by
A licensed mortgage partner

What you can finance

From a single-family home to a fourplex

  • Primary residence

    A home you will live in. Programs for ITIN holders with US income may be available; occupancy rules apply.

  • Second home

    A vacation or part-time residence. Occupancy and rental rules differ from investment property.

  • Investment property

    Single-family to fourplex rentals, including for buyers living outside the US, often qualified on the property’s rental income.

Program types

Common programs, explained generally

Program availability, terms and eligibility depend on the lender and your situation. These descriptions are general education, not offers.

General overview of international mortgage program types
Program Who it is designed forHow income is typically reviewedTypical occupancy
Foreign national Buyers living outside the US without US credit historyForeign income documentation or the property’s rental incomeSecond home or investment
ITIN US residents who file taxes with an ITINUS tax returns, pay records or bank statementsPrimary residence, second home or investment
DSCR Investors buying rental propertyProperty rent compared with the monthly payment (debt-service coverage ratio)Investment only
12-month bank statement Self-employed borrowers with US incomeTwelve months of business or personal bank deposits instead of tax returnsVaries by program

How the expert review works

We prepare you. A licensed partner reviews and lends.

  1. Step 1: Share your goals

    Tell us the property type, how you will use it, your location and your rough budget.

  2. Step 2: Get organized

    We help you understand which documents are typically needed for your situation.

  3. Step 3: Licensed partner review

    tsmartcash connects you with a licensed mortgage partner. Partner licensing (NMLS) details are provided before any application.

  4. Step 4: Partner decides

    The licensed partner reviews your file, explains program options and terms, and makes any credit decision.

tsmartcash is not a mortgage lender or broker and does not take mortgage applications, quote rates or make credit decisions.

Documents commonly requested

Typical; varies by lender and program.

Identification
Valid passport and visa if applicable, or ITIN documentation.
Income or rent
Tax returns, bank statements, or a rent schedule for DSCR programs.
Assets and reserves
Statements showing the down payment, closing costs and reserves.
Credit
US credit history where available; some programs accept alternative or international credit references.
Property
Purchase contract, and leases or market rent analysis for rental properties.

Lenders set their own requirements and may request additional documentation.

Mortgage payment estimator

Enter your own interest rate and loan details to estimate a monthly payment. tsmartcash does not quote mortgage rates.

Program & borrower

Residency
Identification
Main income

Property

Property type
Occupancy
$
%

Loan

%

Enter the rate a lender quoted you. We do not assume a market rate.

years
$
$
$

Rent (DSCR)

$
%

Illustrative estimate only — not a rate quote, loan offer or commitment to lend. Taxes, insurance and HOA dues can change the payment.

International mortgage FAQ

Can a foreign national buy a home in the US with a mortgage?

Yes, some lenders offer foreign-national programs, usually for second homes or investment properties. Down payment, reserve and documentation requirements are typically higher than for US-resident programs.

Can I get a mortgage with an ITIN?

ITIN programs exist for borrowers who file US taxes with an ITIN, including for a primary residence. Eligibility depends on the lender, your income documentation and other factors.

What is a DSCR loan?

A debt-service coverage ratio loan qualifies an investment property mainly on whether its rent covers the monthly payment, rather than on personal income.

Which properties qualify?

One- to four-unit residential properties — single-family homes, condos where eligible, duplexes, triplexes and fourplexes. Eligibility depends on the program.

Does tsmartcash provide the mortgage?

No. tsmartcash is not a lender. We connect you with a licensed mortgage partner, whose licensing (NMLS) details are provided before any application.

Why do I enter my own interest rate in the calculator?

Rates depend on the program, property, down payment and borrower profile. Only a licensed lender can quote a rate, so the calculator uses the rate you enter.

Ready for an expert review?

Tell us about the home you want to buy. We will help you prepare and connect you with a licensed mortgage partner.

Request an expert review Open the calculator

Equal Housing Opportunity. Mortgage loans are offered by licensed lending partners in accordance with federal and state fair lending laws.