Foreign National Financing for Global Investors
Foreign National Loans from Equity Partners USA are designed for international borrowers looking to purchase or refinance real estate in the United States. Whether you are expanding your investment portfolio, purchasing a vacation property, or securing a long-term investment, our flexible financing solutions help make U.S. property ownership more accessible.
Flexible Qualification Without U.S. Credit Requirements
Our Foreign National Loan program removes many of the barriers that international borrowers often face when seeking financing in the United States. Qualified borrowers may use the property’s Debt Service Coverage Ratio (DSCR) to qualify, including options that utilize interest-only payment calculations.
There is no requirement for a U.S. credit score, FICO history, or foreign credit reference letter. This allows eligible borrowers to access financing opportunities without spending years building U.S. credit profiles or providing extensive traditional documentation.
High Loan Amounts and Competitive Financing Options
Equity Partners USA offers loan amounts up to $2.5 million, providing financing solutions for a wide range of residential investment properties. Eligible borrowers may obtain up to 75% loan-to-value (LTV) for purchases and rate-and-term refinances, while cash-out refinance transactions may qualify for up to 70% LTV.
Interest-only options are also available for qualified borrowers seeking greater monthly payment flexibility and improved cash flow management. These features can be especially valuable for investors focused on maximizing property performance and long-term growth.
Experience the Equity Partners USA Advantage
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Access to over a dozen loan programs to fit every borrower profile
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Solutions for self-employed, investors, and non-traditional income earners
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Dedicated support from application to closing—no guesswork, just clarity
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Competitive interest rates with low fees and flexible qualification terms
A Simplified Process for International Transactions
Our program is designed to accommodate the unique financial circumstances of foreign nationals. Foreign assets may be used to satisfy reserve requirements, and foreign funds can be wired directly to the closing agent to simplify the transaction process.
Additionally, there is no requirement to source large deposits, reducing documentation challenges that often arise with international banking relationships. With experienced guidance and efficient communication, Equity Partners USA helps foreign buyers navigate the mortgage process with confidence and ease.
Why Choose Equity Partners USA
At Equity Partners USA, we’re more than just a mortgage company—we’re your dedicated financial partner. We understand that securing a home loan is one of the most important financial decisions you’ll make, and our mission is to make that experience as simple, transparent, and rewarding as possible. With a diverse range of loan programs, industry expertise, and a client-first approach, we provide personalized lending solutions that align with your goals.
We are known for
Personalized loan solutions tailored to each client’s financial profile
Exceptional service and hands-on guidance from start to finish
Fast, efficient processing with transparent communication
Flexible programs for self-employed, first-time buyers, and investors
"FAQs"
We offer a wide range of loan programs including Conventional, FHA, VA, USDA, Jumbo, DSCR, ITIN, Bank Statement, 1099, Profit & Loss, HELOC/HELOAN, and Fix & Flip loans. Whether you’re a first-time buyer, investor, or self-employed borrower, we have solutions tailored to your needs.
Our mortgage experts take the time to understand your financial goals, credit profile, and income situation. Based on that, we recommend the most suitable loan options and walk you through each step of the process with full transparency.
The required documents may vary by loan type, but generally include proof of income (W-2s, pay stubs, bank statements, or 1099s), tax returns, credit history, and identification. For self-employed borrowers, we may request business financials or a profit and loss statement.
Most of our loans close within 21 to 30 days, depending on the complexity of the file and how quickly we receive your documentation. We prioritize a smooth, timely closing and keep you informed throughout the entire process.
Yes! We specialize in helping self-employed borrowers and those with alternative income sources. We offer programs like Bank Statement Loans, 1099 Loans, and Profit & Loss qualifying options to make homeownership accessible—even without traditional pay stubs.
Built Around Your Goals, Backed by Expertise
At Equity Partners USA, we don’t believe in one-size-fits-all lending. Every loan we structure is thoughtfully crafted to match your goals, lifestyle, and financial strategy. Whether you’re buying your first home, growing your investment portfolio, or refinancing for better terms, our expert team is here to guide you with clarity, precision, and care.
