Customized Portfolio Loan Benefits

  • You do not need to have a Social Security number, Green Card, or visa to qualify.
  • Second Home: 65% LTV to $3 million and 50% LTV to $5 million.
  • Interest-only mortgage options are available.
  • No FICO score is required. We accept foreign credit reports or satisfactory alternate credit from your country of origin to show creditworthiness.
  • Super Jumbo Mortgages, with loan amounts of up to $5,000,000, are available. We will consider loan amounts over $5,000,000 on a case-by-case basis.
Important Requirements for Nonresident Aliens

Income documentation.


A valid passport and a second form of ID.


Seasoned assets in a known verifiable financial institution. If the documentation is in a foreign language, it needs to be translated by a certified translator.

The borrower is not required to have:

A Social Security number, Green Card, or visa.


A FICO score. In lieu of a FICO score, the borrower may demonstrate creditworthiness or satisfactory alternate credit by submitting a credit report from his or her country of origin.

Instant Mortgage Rate Quote

By selecting Get My Rate, you agree that Axos Bank may call or text you using an auto dialer or prerecorded message at the phone number provided. If the phone number you provide is registered to a mobile device, mobile carrier's charges may apply. Your consent is not a condition of purchase of any product or service.

Why Choose Axos Bank™?

Here's why:
Here's why:
  • Personalized Underwriting: You benefit from an innovative underwriting approach that accommodates complex financial structures, high loan amounts, and unique properties. Mortgage loans tailored to the special needs of nonresident aliens — a mortgage as personal as your home.
  • Advanced Technology: Born digital, we make faster decisions. Our 100-percent paperless loan submission and processing means shorter turn times for your loan approval. Discover a streamlined and efficient loan process.
  • Dedicated Customer Service: Our team will guide you through the loan approval process. Let us structure a customized Portfolio Loan for your unique financial needs as a foreign national. Exactly what you need when you need it.
  • Diverse Product Options: Explore a broad range of mortgage products with many customized options. Loans tailored to your unique needs and financial goals.
  • Portfolio Loan Expertise: Access our in-depth knowledge and experience. Axos Bank™ is a premier provider of Portfolio Loans for Super Jumbo Mortgages and loan amounts up to $5,000,000 or more.
  • Ready to get started?: Contact one of our experienced Mortgage Consultants at 1-888-546-2634

Ready to apply?

It takes 15 minutes. Please have a valid id and your social security number. Apply Now

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