Home Loans for Foreign Nationals

Custom built mortgage options that meet your unique needs for real estate financing. Experienced underwriting and production teams help guide you through the loan process, including the acquisition of the necessary documentation.

To learn more about home loans for foreign nationals, call 888-546-2634.

Today’s Mortgage Rates

Select Purchase or Refinance to get started

Customized Portfolio Loan Benefits

  • 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 $25,000,000, are available. We will consider loan amounts over $25,000,000 on a case-by-case basis.

Important Requirements for Nonresident Aliens

  • Income documentation.
  • Two non-traditional credit references (covering most recent 12-month period) or Foreign Credit Report (covering two credit references covering most recent 12-month period)
  • 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.

Identification Requirements for Nonresident Aliens

  • Valid Visa
  • A valid passport and a second form of ID.
  • Valid Social Security Card or Valid Personal ITIN Number must be provided at application.

Why Choose Axos Bank™?

  • 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 $25,000,000 or more.
  • Ready to get started?: Contact one of our experienced Mortgage Consultants at 1-888-546-2634

Learn More

Our Mortgage Loan Originators are standing by. Call us today at 888-546-2634.

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Bank products and services are offered by Axos Bank®. All deposit accounts through Axos Bank brands are FDIC insured through Axos Bank. All deposit accounts of the same ownership and/or vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and/or vesting at Axos Bank. For more information read Axos Bank’s FDIC Notice.

Advisory services are offered by Axos Invest, Inc., an investment adviser registered with the Securities and Exchange Commission (“SEC”). For information about our advisory services, please view our Form CRS or our ADV Part 2A Brochure, free of charge. Brokerage services and securities products are offered by Axos Invest LLC, Member FINRA & SIPC. YOU MAY FIND MORE INFORMATION ABOUT OUR FIRM ON FINRA’S BROKERCHECK. View the background of this firm, or REVIEW our Form CRS. All cash and securities held in Axos Invest client accounts are protected by SIPC up to $500,000, with a limit of $250,000 for cash. Read more information about SIPC on the SIPC web page.

Securities and other non-deposit investment products and services are not deposits, obligations of or guaranteed by Axos Bank, are not insured by the FDIC or any governmental agency, and are subject to investment risk including possible loss of the principal invested. Past performance of a security does not guarantee future results or success.

Axos Invest LLC, Axos Invest, Inc., and Axos Bank are separate but affiliated companies.

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