You don't need a green card, a Social Security number, or U.S. credit to own property here. A foreign national loan qualifies you on your passport, your income and assets back home, and bank reference letters — for a vacation home, a second home, or a primary residence if you're relocating. Beto guides international buyers through every step, in English, Spanish, or Portuguese, and can even arrange a closing at a U.S. embassy abroad.
Walk into a major retail bank as a foreign buyer and you'll likely hear no. That's not because it's impossible — it's because that bank doesn't offer the right program. Specialized lenders do.
So international buyers either pay all cash, or give up on owning here entirely — when financing was available the whole time, just through the right channel.
Lenders qualify you on your passport, foreign income and assets, and bank reference letters — no U.S. credit, no SSN, no U.S. tax returns. You'll put more down, but the path is real, and Beto knows the lenders who specialize in it.
The answer points you to two different programs. Picking the right one upfront saves time, money, and paperwork — so let's start here.
For a property you (or your family) will use — a vacation home, a second home, or a primary residence if you're relocating to the U.S. You're on the right page.
Buying purely to invest and rent? A DSCR loan qualifies on the property's own rental income — often with no personal income docs and sometimes no credit score, and you can title it under a U.S. LLC.
Not sure, or doing a bit of both? Beto will sort it out on a quick call and point you to the program with the best terms for your plan.
Instead of a U.S. credit score, the lender builds confidence from your identity, your money, and references from your home country.
A valid passport and, in most cases, a U.S. visa (B-1/B-2, H-1B, L-1, E-2 and others are commonly accepted).
Proof of foreign income — an employer or CPA letter from home, plus bank statements showing your funds.
No U.S. score? An international credit report or 2–3 bank reference letters stand in for it.
A larger down payment (often 25–40%) and several months of reserves, typically through a U.S. bank account.
U.S. lenders generally can't read a foreign credit score directly — so they accept other proof that you handle money responsibly. Any of these can establish your creditworthiness.
A credit report from your home country, translated and reviewed where available.
Two or three letters from foreign banks confirming your accounts and good standing.
Letters from a landlord or other creditors abroad showing an on-time payment history.
Gathering these from overseas is the part that trips most buyers up. Beto gives you the exact checklist for your country and lender so nothing stalls your file.
Foreign national loans ask for more equity and more documentation than a domestic loan — the trade-off for qualifying without U.S. credit or income.
The mechanics of buying from another country are the hard part. The right broker makes them disappear.
A legitimate, well-established path to a U.S. home without a green card, SSN, or American credit. Many international families already own here this way.
No residency requiredForeign income, foreign assets, foreign bank references — the program is designed for money that lives in another country, not penalized for it.
Your home-country finances countMany transactions can close remotely — at a U.S. embassy or consulate — and Beto coordinates it all in English, Spanish, or Portuguese.
Remote closing · EN·ES·PTIf you live, earn, or bank outside the U.S. but want a foothold here, this is your path. A few of the people Beto helps most:
A place in the Texas Hill Country, the coast, or the city to escape to. The most common foreign national purchase — and a great fit.
Buying a home near a Texas university for your child instead of paying years of rent — and keeping an asset that holds value.
Moving to the U.S. for work and establishing residency? A foreign national loan can finance the primary home you'll actually live in.
Building a U.S. rental portfolio? You'll want foreign national DSCR — qualify on the rent, hold it in an LLC. See DSCR →
Alberto Moravia — Beto the Broker — is a licensed mortgage broker, TREC Certified Instructor, and proud San Antonio resident who helps international buyers turn distance and paperwork into a set of keys. He speaks English, Spanish, and Portuguese — a real advantage for buyers from across Latin America, Brazil, and beyond.
As an independent broker at Edge Home Finance LLC, Alberto shops across 100+ wholesale and portfolio lenders — the specialists who actually do foreign national and DSCR loans — and coordinates everything from your foreign documents to a remote embassy closing. Straight answers, in your language.
A free 10-minute call with Beto, in English, Spanish, or Portuguese. Tell him where you're buying and how you'll use the property, and he'll map the program, the down payment, and the documents — and handle the lender search across borders for you.