Global Financing Solutions
The Mortgage Guide for International Buyers
ITIN Loan Programs
ITIN (Individual Taxpayer Identification Number) loans are designed for borrowers who do not have a Social Security Number but earn income and file taxes in the U.S. These programs can help international buyers and non-resident aliens purchase or refinance property when traditional financing is not available.With an ITIN loan, you can:
• Use your ITIN in place of a Social Security Number
• Qualify using foreign or U.S.-based income and assets
• Purchase a primary residence, second home, or investment property
Our team will walk you through documentation, income verification, and program options so you can confidently move forward.
Foreign National Financing
Foreign National loans are tailored for clients who live primarily outside the United States but want to own property here. These programs focus on your global financial picture—assets, income, and credit references from your home country—rather than relying only on U.S. credit history.Foreign National financing can be a fit if you:
• Live abroad and want a U.S. vacation home or investment property
• Prefer to qualify using international bank statements or asset accounts
• Need flexible documentation options beyond standard agency guidelines
3E Lending coordinates with lenders experienced in cross-border transactions to help you structure a loan that supports your long-term investment goals.
Ready to Expand Your Portfolio?
Speak with an international mortgage expert today to review your goals, documents, and property plans. How Foreign National Loans Work 1) Initial consultation to understand your residency, income sources, and property goals 2) Review of your foreign and/or U.S. financial documents to match you with the right program 3) Loan structuring, application, and conditional approval based on your global profile 4) Final underwriting, closing, and funding of your U.S. property purchase or refinance
Documentation Guide
Loan Requirements for Foreign Residents
Navigating the mortgage process as a foreign national or non-permanent resident is simplified with 3E Lending. Our specialized Non-QM programs focus on your global financial profile rather than traditional domestic credit history.
Identification
A valid passport with an unexpired visa (E-2, H-1B, L-1, etc.) or a valid Permanent Resident Card is required to establish legal residency status.
Income Verification
Include two years of employment history, pay stubs, and tax returns. We accept international income documentation with certified translations.
Asset Verification
Verification of funds for down payment and reserves held in a U.S. financial institution for at least 60 days before closing.
Down Payment Expectations
Standard Rule: Expect to put down between 10% and 20% of the purchase price. Most programs cap LTV at 80% to 85%.
Credit Profiling & Score Requirements
Traditional Scores: Lenders usually require a minimum FICO credit score ranging from 580 to 660. Alternative Credit: If you do not have a traditional credit score, many ITIN programs accept alternative credit scoring. This requires producing 12 to 24 months of consistent payment histories for utility bills, cellphone plans, insurance, or formal rental receipts.
Ready to Start Your Application?
Speak with a non-QM expert today to review your documentation and explore your eligibility.
Global Financing Hub
International Property Purchase Solutions
Navigating Non-QM International Loans
Acquiring property across borders requires specialized financing that standard banks often overlook. Our Non-QM international programs are designed for global citizens, offering flexible income verification and asset-based qualification for overseas investments. We streamline the complexity of cross-border lending, providing you with a clear path to global ownership.