• Mike Fisher
    800-801-5626

    Branch Manager
    NMLS: 353528

Foreign National Loans

Want to buy a home in the United States, but you're not a US Citizen?

No problem, Our Foreign National Loan Program makes buying a home in the US easier for non-US citizens. While the guidelines on these loans are different than conventional, conforming or other federally insured loan programs, we are confident that our loan program can meet your needs.

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Here are some of the key details:

  • Our Foreign National Loan program offers competitive interest rates.
  • You can borrow up to $750,000 per property (minimum amount borrowed is $100,000).
  • Multiple Fixed rate terms to choose from (10, 15, 20, 25 & 30).
  • Multiple Adjustable rate terms available as well (5/1, 7/1, 10/1).
  • You can use our Foreign National Loan Program to Purchase a New home or refinance your current home.
  • Debt-to-income ratios are 50% ("Assets for income" option).
  • No pre-payment penalties.
  • We can finance up to 75% loan-to-value (if the home is worth $500,000 then we can lend up to $375,000).
  • This program is eligible for multiple property types including: single-family homes, condos and townhouses.
  • All Loans are manually underwritten.
  • The Foreign National Loan Program is available to Self-employed foreign national borrowers as well.
  • Some seller concessions are allowed (Max 6% up to 65% LTV)
  • Escrows: Taxes and insurance escrows are required

Get Pre-approved for a Foreign National Loan Today!

Choose Your Option.

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We Serve the Entire State of California

At Alameda Mortgage, we are dedicated to offering personalized mortgage solutions to homebuyers and investors across California. Below are just some of the cities we serve in the Los Angeles area, but our expertise isn’t confined to these locations:

• Canoga Park • Chatsworth • Granada Hills • Los Angeles • North Hills • Northridge • Oxnard • Reseda • San Fernando Valley • Santa Clarita • Simi Valley • Tarzana • Thousand Oaks • Ventura • West Hills • Woodland Hills