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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 $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.


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.

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 $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. Check Rates

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