Foreign National Program

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

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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.
  • Loan amounts up to $25 million and loan-to-values up to 60%.
  • Interest-only loans available.
  • Irrevocable, blind trust, Limited Partnership, Corporate and LLC vesting all welcome.
  • Minimum loan amount is $500,000.

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