Insignia Mortage

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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.
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Transaction Spotlight

The Situation

Insignia Mortgage recently closed on a $6 million second home purchase for a foreign corporate executive with 60% lender financing.

The Solution

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

  • $3.6 million loan amount
  • 3/1 ARM
  • 2.888% APR
  • 30-year term with no prepayment penalty
  • 28-day close of escrow
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