Foreign National Mortgages in Austin, TX

Austin draws buyers from all over the world, whether for a place to stay while visiting family, a home near a child at UT or a rental property. Financing from abroad can feel complicated, but some wholesale lenders specialize in it. This program is part of our non-QM loan options.

Typical uses

• A second home in Austin for visits, family or school
• An investment property in Austin or elsewhere in Texas. Rental buyers may also compare DSCR loans and other investment property loans.

Common documentation

• Valid passport
• Visa, if you have one
• Proof of income
• Foreign credit report or bank reference letters
• Documentation of funds for the down payment and closing

Documentation, down payment and terms vary by lender.

Fits when

• You live outside the US
• You’re buying an Austin second home or rental
• You have no US credit history

Look elsewhere when

• You’re a US citizen or permanent resident. Other programs, including self-employed or bank statement loans, may fit.
• You live in the US and file taxes with an ITIN. See ITIN mortgages.

How CapFi shops it

Each foreign national lender has its own rules on documentation, property type and where funds can come from. I compare options across more than 50 wholesale lenders, and we can sign up an additional lender if your deal needs one. Program terms are set by the lender, so we’ll walk you through what a specific lender requires before you commit.

FAQs

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