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Foreign

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Foreign

For individuals with an ITIN and established credit history. FICO scores starting at 680. LTVs up to 85%, with a max loan amount of $3MM.

No Foreign or US credit Needed. Up to 75% LTV. This mortgage is for foreign nationals wanting to purchase or refinance a home in the United States. This is a DSCR program with a 1:1 ratio on cash flow. This means that this loan is simple, no income or US credit required to qualify.

Foreign National program.

  • Minimum loan amount of $100,000
  • Maximum loan amount of $1.5 million
  • A DSCR program with a 1:1 ratio on cash flow
  • Assets sourced and seasoned for 60 days - must be in a U.S. FDIC insured bank for a minimum of 30 days
  • 12 months reserves required
  • Closing in a U.S. LLC entity is permitted
  • ACH auto-payment is required
  • No sanction listed countries allowed and will not lend in Osceola County
  • Cannot reside in the United States
  • Must have an eligible Visa: B-1, B-2, H-2, H-3, I, J-1, J-2, O-2, P1, P2
  • No gift funds allowed
  • Loan amounts greater than or equal to $1,500,000, a borrower paid second appraisal must be obtained

Our Commitment

“Driven by a passion to see our clients succeed, we at Envision Lending go beyond the transaction. We’re committed to providing personalized, hands-on support to navigate the complexities of property lending. Because when you succeed, we succeed.”