Mortgage Solutions for Foreign Nationals in Houston
Buying Real Estate in the U.S. Without Residency
Houston continues to grow as a global destination for real estate investment — and at Clear Mortgage, we make it easier for international buyers to take part in the market. Our Foreign National Loan programs are specifically designed for non-U.S. citizens who want to purchase property in the United States, even without a Social Security number, permanent residency, or U.S.-based credit history.
Whether you’re looking for a second home, a vacation property, or an investment opportunity, we’ll guide you through the process step by step — no U.S. residency required.
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What Is a Foreign National Loan?
A Foreign National Loan is a mortgage designed for individuals who live outside the U.S. and want to buy property here. These loans are ideal for buyers who don’t qualify for traditional mortgage programs due to the lack of U.S. income, credit history, or documentation typically required for conventional loans.
Lenders who offer Foreign National Loans take a global view of the borrower’s financial profile — using international credit, foreign income, and overseas assets to assess eligibility.
Who Can Apply?
You may be eligible for a Foreign National Loan if you:
Are a non-U.S. citizen with a primary residence outside the United States
Do not hold a green card or U.S. work visa
Do not have a valid Social Security number or U.S. credit history
Are buying a residential property for investment or personal use
These loans are commonly used by:
International business professionals
Global investors
Buyers looking for vacation homes in the U.S.
Parents purchasing homes for children studying in the U.S.
Loan Highlights
No U.S. Credit Required
Applicants are not required to have a U.S. credit report. Instead, lenders accept international credit references, letters of good standing from foreign banks, and proof of timely payment history on overseas obligations
Foreign Income and Assets Accepted
Borrowers can qualify using international income and liquid assets, often verified through bank statements, CPA letters, or employment contracts. Income does not need to be earned in the United States
Competitive Interest Rates
Although interest rates on Foreign National Loans can be slightly higher than conventional loans, Clear Mortgage works with top lenders to secure the most competitive rates available for international clients.
Streamlined Underwriting
We simplify the loan process for non-residents by focusing on asset strength, down payment, and property value. This minimizes the red tape and gets you to the closing table faster.
Flexible Loan Terms
Choose from fixed-rate or adjustable-rate mortgages with terms ranging from 5 to 30 years, depending on your financial strategy and investment goals.
No Visa Required
You do not need a U.S. visa to qualify. Proof of foreign residency and valid government-issued ID from your home country are typically sufficient.
Down Payment and Documentation Requirements
Foreign National Loans generally require:
A minimum down payment of 20% to 30% of the property’s value
Valid passport and proof of residency abroad
Proof of funds for down payment and reserves
Bank reference letters or international credit reports
Income verification (translated and authenticated as needed)
Clear Mortgage will guide you through every document and make sure your file is prepared according to U.S. lending standards.
Why Invest in Houston Real Estate?
Houston is one of the most dynamic real estate markets in the U.S., with:
No state income tax
A diverse and resilient economy
High rental demand in urban and suburban areas
Year-round real estate activity due to a mild climate
Strong appreciation in both residential and commercial properties
Whether you’re purchasing a condo, single-family home, or multi-unit investment property, Houston offers exceptional value and long-term return potential.
Work with a Trusted Local Partner
At Clear Mortgage, we understand the unique needs of international clients. We offer:
Multilingual support
Assistance with currency exchange coordination
Access to international-friendly title companies and real estate professionals
Transparent communication at every step
Our office is located in the Galleria area of Houston — one of the city’s top business and residential districts — and we’re proud to be a trusted resource for global buyers.
Can I get a mortgage in the U.S. if I don’t live there and don’t have a visa?
Yes. You do not need to be a U.S. resident or hold a visa to qualify for a Foreign National Loan. Most lenders only require a valid passport, proof of residency in your home country, and a few supporting documents. At Clear Mortgage, we work with lenders who specialize in serving international buyers, making it possible for you to invest in Houston real estate with confidence.
What kind of documentation do I need to apply for a Foreign National Loan?
The typical requirements include a valid passport, proof of foreign residency, proof of funds for the down payment and reserves, international credit references (or bank letters), and income verification from your country of origin. If documents are not in English, certified translations may be needed. Our team will walk you through every detail to ensure your file meets U.S. standards.
How much down payment is required for a Foreign National Loan?
Most lenders require a down payment between 20% and 30% of the property’s purchase price. The exact percentage depends on the loan amount, the property type, and the strength of your financial profile. A higher down payment can sometimes lead to more favorable interest rates or faster approval.
Can I buy an investment property with a Foreign National Loan?
Absolutely. Foreign National Loans are commonly used for investment purposes, including rental properties and second homes. In fact, many international buyers use these loans to purchase condos, single-family homes, or multi-units in Houston for rental income or long-term appreciation.
Do I need U.S. credit to qualify?
No, U.S. credit is not required. Lenders will often accept alternative forms of credit verification such as letters of good standing from foreign banks or utilities, or international credit reports. If you have strong financial standing abroad, Clear Mortgage can help you leverage that to qualify for financing here in the U.S.
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