We can help you buy your dream home!
Even if you are not a citizen of the United States, you can still own a home in the US. No additional fees are charged. We offer loans for lawful permanent residents with green cards, or non-permanent residents with EAD cards, employment visas, and H1-B visas, or foreign nationals living outside the United States who want to own a property in the US. They can all apply for loans in the same way as citizens. At Dream Home Mortgage, we provide loans with amazing terms for real foreign nationals. For a resident of another nation, this loan may be used for a second home or investment property in the US.
Loan Features
- loans of up to 70%–75% of the contract price or the value of the property.
- Fantastic mortgage rates
- Non US credit is necessary.
- Condos, townhome, multi-family, single-family are all available
Loan Eligibility
- Need a valid passport for travel abroad.
- The source of the down payment must be available from recent bank statements (an overseas bank account is okay).
- International credit report
- Letter of a good standing with current financial institution
- Must have a current, international address.
- Need to work and reside abroad.
- No Income Verification
*some restrictions apply
Why is Dream Home Mortgage the best option for you ?
- We are operating in 50 states in the USA .
- Lowest interest rates
- We offer programs to borrowers with EAD Card and H1-B Visas
- We offer loans to borrower with ITIN # and No credit score
- We approve loans for borrower with High Debt to Income Ratios up to 57% FHA and 49.9% Convenitonal
- We still have loans for borrowers with low fico scores of 600
- We do Foreign National loans with No Income Verification
We pre qualify quickly and offer free consultations, while making a home buying experience hassle free, stress free, and magical … easy & simple! We offer Cash out Mortgage, Jumbo mortgage, Reverse mortgage, FHA, Conventional, VA loans and Construction loans.
Lowest closing costs and no last minute surprises….Honesty & Integrity are the core values of our everyday business practices.
Your home-buying success is important to us
While purchasing a property may seem difficult, it is our responsibility to make the process as simple as possible. A first meeting with a Dream Home Mortgage Loan Officer kicks off the loan application process. We will discuss your goals and evaluate your financial condition together. This will help you better understand why you should always be pursuing your needs.
Find Out If You Qualify
Financing a home loan as a non-U.S. citizen can be challenging, but is possible with the right mortgage experts. Visit our mortgage experts today and use this application form to find out if you qualify.
Book a free consultation meeting
Call us at (972) 245-5626 or email us at info@dreamhomemortage.com.
Frequently Asked Questions
- Is it possible to buy a house in the USA if I don’t have a green card?
The simple answer is “yes.” Anyone can buy property in the USA. There are no laws in place that could prevent you from doing so. In fact, many citizens of other countries buy houses in the US to use as their vacation homes or Investment properties. The real estate in the United States have gone exponentially high and many investors consider investing here as Safe Haven. - What residency status do I need to have to get a mortgage loan
Generally, there are three groups of non-resident borrowers in the US:- Foreign nationals, who don’t have a permanent residence in the USA;
- Non-permanent residents who have a work visa; EAD cards; H1-B visa
- Permanent residents who have a green card.
- Can I buy a house if I don’t have a Social Security number?
Yes, we offer foreign national loans without the social security number. We also have loans for borrowers on the ITIN number – Individual Tax Identification Number. - If I don’t have a permanent US residency, can I get a mortgage?
Yes, you can. The process is extremely simple and we walk you through the entire loan process. We offer Free consultation and make your loan tailor made just for you! - What are the available loan terms?
- Fixed rates
- Foreign nationals may opt to take home loans with a fixed interest rate throughout the repayment period. Under fixed rate, foreign nationals may choose between 15-, 30 year fixed loans. The longer the term, the higher the interest rates are.
- Adjustable-rate mortgages (ARM)s
- ARM is a type of mortgage where a fixed rate applies in the first phase of the loan and adjusts periodically thereafter until the repayment period is completed.Foreign nationals may choose between 3/1, 5/1, 7/1, or 10/1 ARMs.
- What types of home loans are available for foreign nationals?
Following are the three general types of home loans available to foreign nationals: purchase, cash-out refinance, and rate-and-term refinance.- Purchase
- A purchase loan is used to finance a residential property that the borrower does not own yet. The loan amount can go as high as what your creditworthiness can support.
- Rate-and-term refinance
- In rate-and-term refinancing, borrowers trade an existing mortgage for a new one with better terms.
- Do foreigners pay more taxes?
There is no straightforward answer to this question since it depends on the current tax law and the area where you buy the property. To find out the information on your particular case, contact a Certified Tax Council.
Your inquiries about mortgages have been addressed. Next, what?
Things really get going at this point. Find out how much house you can afford and how quickly you can get there by getting in touch with our loan officer.
Book a free consultation meeting
CALL US at (972) 245-5626 or email at info@dreamhomemortage.com
Some Restrictions Apply*
