Foreign National Program
5/6 ARM
Term
5.500%
Interest Rate
6.142%
APR
Foreign National Mortgages
Buying property in the U.S. as a foreign national comes with higher stakes and more friction. Not because the deal is unsound, but because most lenders are not equipped to evaluate international income, assets, or ownership structures.
A foreign national mortgage requires experience, preparation, and lenders who understand cross-border finances. That is where Insignia comes in.
Your Financial Reality Is Different.
The Process Should Be Too.
Foreign national mortgages work differently because the financial picture is different, not weaker.
International buyers often bring complexity that traditional lenders struggle to interpret, including:
- No U.S. credit history or tax returns
- Income earned outside the United States
- Assets held across multiple countries or currencies
- Ownership through trusts, LLCs, or corporate entities
None of this is unusual for global buyers. It simply requires lenders who understand how to evaluate international documentation and loans that are structured intentionally from the start.
When that preparation happens early, the process becomes far more predictable. Expectations are clearer, underwriting questions are anticipated, and timelines are easier to manage.
How Foreign National Loans Are Typically Structured
Foreign national financing is less about finding a workaround and more about presenting the full financial picture clearly.
Depending on the borrower and property, that may involve:
- Evaluating income and assets globally rather than relying on U.S. credit files
- Structuring ownership through an LLC, trust, or corporate entity
- Aligning loan terms with how long the property will be held
- Using adjustable-rate or interest-only structures when liquidity matters
- Coordinating with foreign banks, U.S. CPAs, or legal advisors when needed
The goal is not to force a deal through underwriting. It is to structure the loan so it makes sense before underwriting ever begins.
Additional Loan Programs
Explore Your Loan Options
Whether you want long-term stability or short-term flexibility, we’ll connect you with the jumbo loan program that fits your goals.
How We Take You From Consultation to Close
Every borrower has different goals. Some want predictability—others want the flexibility to keep cash free for investments. That’s why we offer multiple jumbo loan structures.
Application & Analysis
We start by understanding how income is earned, where assets are held, and how ownership is structured. For international buyers, that often means reviewing foreign income, overseas banking relationships, and entity structures before a lender ever sees the file.
Pre-Approval
Our pre-approvals are based on verified details, not assumptions. That includes confirming documentation requirements early, so sellers and agents know the financing is real, not conditional.
Loan Approval
We anticipate lender questions tied to foreign income, assets, and ownership structures before underwriting begins. That preparation reduces last-minute requests and keeps timelines intact.
Closing
We coordinate directly with all parties involved, including lenders, attorneys, and advisors when needed, so the process stays organized and predictable through closing.
Frequently Asked Questions
Why Clients
Choose Insignia
Our Team
Our brokers rank among the top 50 in the nation. They’re the people who cut through the red tape and open doors to niche lenders. But what matters more is what that means for you—speed, clarity, hands-on support, and a confident close.
Damon Germanides
Co-founder / Broker
Chris Furie
Co-founder / Broker
Neil Patel, CPA
Principal / Head of Sales
Julie Flatland
Head of Underwriting & Operations Manager
Michael Nassirzadeh
Broker Associate/Senior Commercial Loan Analyst
Noah Furie
Capital Markets
Jonathan Bulaon
Loan Originator
Todd William Harris
Head of Construction Lending & Broker Associate
Patrick Mckenna
Broker Associate
Romy Nourafchan
Broker Associate
Scott T. Sealey
Senior Loan Originator/First-Time Home Buyer Expert
Nick Van Dueck
Donabel Aguila
Loan Set Up
Richard Cadiente
Senior Processor
Jesebel Da Sagun
Senior Underwriter
Rhonda Ramirez
Loan Officer Assistant/Senior Processor
James DeBeck
IT Management
Euereze Tabar
Accounting
Who We Serve
Every client has a different story. Our job is to take that story, however complex it is, and turn it into a financing solution that works.
Private & High-Net-Worth Clients
Wealth rarely fits inside a template. Trusts, layered assets, and investment portfolios often confuse traditional underwriters. We know how to structure these profiles clearly and persuasively, ensuring you get the terms and speed your financial position deserves.
Entrepreneurs & Self-Employed Borrowers
Running a business comes with freedom and just as much complexity. Traditional lenders want pay stubs, not statements, contracts, or cash flow. We translate your true income picture into terms lenders understand, helping you qualify for the financing you deserve.
Foreign National & International Clients
Cross-border finances can be complicated. Whether you’re earning abroad, managing global investments, or buying property in the U.S., we connect you to lenders who understand international assets and residency requirements so approvals don’t get lost in translation.
Real Estate Investors
Opportunities don’t wait, and neither should your financing. From single-unit purchases to portfolios under $20M, we deliver speed and certainty through lenders who understand the investor mindset. We structure real-world investment loans around real-world borrowers.
Community Lending
Not every buyer needs a jumbo loan or a perfect financial profile. Many qualified borrowers simply need access to programs that make homeownership more attainable. That’s exactly what our FHA, VA, conforming, and community lending options are designed to do.