Insignia Mortage

Interested in Foreign National Loans?

An expert will call you back when it’s convenient for you.

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Foreign National Program

The ideal mix of flexible products and lending expertise for foreign nationals.

Insignia Mortgage has built unique lending relationships with sophisticated local banks and credit unions that understand how to review a foreign buyer’s loan application and how to assess foreign-based financial documents. We offer customized programs for foreign buyers seeking jumbo loans.

  • No US credit required. Foreign tax returns OK. Foreign assets allowed.
  • Individual Tax Identification Number (ITIN) permitted. Borrowers not required to have a social security number.
  • Unique jumbo lending programs available for expatriates and borrowers currently living abroad for primary, second home, and investment properties.
  • Loan amounts up to $25 million and loan-to-values up to 65%.
  • Interest-only loan programs available from 3 to 10 years with a 30-year term.
  • Irrevocable, blind trust, Limited Partnership, Corporate, and LLC vesting all welcome.
  • The minimum loan amount is $500,000
banner-competitive
5/1 ARM 1
Interest Rate
APR
6.750%
6.987%
(Min loan $500,000 - $10,000,000)
Designed to adjust only once every 5 years.
Excellent hedge against rising rates.
Press Highlights

Loan Experts

DAMON GERMANIDES
DAMON GERMANIDES
Co-founder / Broker
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CHRIS FURIE
CHRIS FURIE
Co-founder / Broker
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Noah Furie
Noah Furie
Director of Bridge Loans & Broker Associate
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JAY ROBERTSON
JAY ROBERTSON
Head of Business Development & Broker Associate
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Todd William Harris
Todd William Harris
Head of Construction Lending & Broker Associate
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MICHAEL NASSIRZADEH
MICHAEL NASSIRZADEH
Broker Associate and Underwriter
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Patrick McKenna
Patrick McKenna
Broker Associate
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SCOTT T. SEALEY
SCOTT T. SEALEY
Senior Loan Originator
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Romy Nourafchan
Romy Nourafchan
Broker Associate
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Our Foreign National Loan Program has the following added features:

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Chartered account letter verifying income from borrower’s home country.

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LLC, trust, or corporation vesting in property to protect prospective borrower’s U.S. home asset.

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Domestic and foreign bank assets used for qualification purposes.

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Foreign credit reports welcomed if available.

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Transaction Spotlight

The Situation: Global Borrower Seeking Jumbo Loan

Insignia Mortgage closed on a $20 million second home purchase for a foreign corporate executive with 60% lender financing acquired from a foreign bank holding a small presence in California. 

The Solution: Foreign National Loan Program Success

Insignia Mortgage worked with the client’s foreign legal counsel and US-based CPA to properly structure the purchase in a tax-efficient manner. The client purchased the home using an LLC with the buyer guaranteeing the loan. We helped the loan go through successfully despite not having U.S. income, credit, or assets.

The Loan Details

  • $13 million loan amount
  • 5/1 ARM
  • 6.250% APR
  • 30-year term with no prepayment penalty
  • 28-day close of escrow
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