Buy Here Without A US Credit File.
Loans from $150,000 to $1 Million for a second home or investment property, qualified on the rental income the property produces or on documented qualifying income.
For buyers based abroad.
However your credit is documented, there’s likely a path that fits.
- Loans from $150,000 to $1 Million
- Second home and investment property
- Buyers living outside the United States
- Purchase or refinance a second home or investment property
- Purchase, rate-and-term refinance, and cash-out available
- Fixed and adjustable rate options
- Financing to 65% of value on a purchase, and 60% on cash out*
Loans from $150,000 to $1 Million
Second home or investment property
Foreign credit accepted in place of a US credit file
Single-family homes and warrantable condominiums
Purchase, rate-and-term refinance, or cash-out
Fixed-rate and adjustable-rate (ARM) options
What is the Saxton Foreign National Loan?
A loan built for buyers whose credit history sits outside the United States
The Saxton Foreign National Loan finances a second home or investment property for buyers based abroad, using foreign credit or the rental income the property produces instead of a US credit file.
Qualify on documented income or on the property’s rental coverage. On the rental income route, a personal guaranty is required when the loan is taken in the name of an entity, and reserves are reviewed either way. Loans run from $150,000 to $1 Million, generally starting around a 680 credit score where US credit exists.
Use it to purchase or refinance a second home or investment property, on single-family homes and warrantable condominiums. Two to four unit properties are eligible as investment property only. Non-warrantable condominiums and cooperative units are not eligible.
Why choose the Saxton Foreign National Loan?
Built for buyers who live abroad and want to own property in the United States.
Overseas Buyers
Buy in the United States while living and earning somewhere else.
Second Home Abroad
Own a place to stay when you visit, without a US credit history.
Rental Investors
Finance a rental that qualifies on the income the property produces.
Returning Expatriates
Reconnect to the US property market after years abroad.
Cash-Out To Reinvest
Access equity in a property you already own here.
No US Credit File
Qualifying is built on documentation from your home country rather than on a US credit history.
Hear From Homeowners Like You
Frequently Asked Questions
Straight answers about buying in the United States without US credit.
Not necessarily. Foreign credit can be used in place of a US credit file. Where US credit exists, this program generally starts around a 680 credit score.
No. This program finances second homes and investment property only. If you are buying a home to live in full time, a different Saxton program may fit better.
Single-family homes and warrantable condominiums. Two to four unit properties are eligible as investment property only. Non-warrantable condominiums and cooperative units are not eligible.
Loans run from $150,000 to $1 Million on this program.
No. Interest-only is not available on this program. It is available on several other Saxton programs.
A prepayment penalty may apply on investment property where permitted by state law. A licensed loan officer will confirm what applies before you commit.
Cash-out is available up to $250,000 on this program.
Find out what you qualify for
Whether you’re buying a second home here or adding a rental, there’s likely a Saxton Foreign National Loan option that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. Down payment and cash-out limits vary by occupancy, credit score, and documentation type. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.