Foreign National Loans

Foreign National frequently asked questions

• Can I buy a home in the U.S. without a U.S. credit history?

  Yes—alternative credit methods can be used to help you qualify. 

• What documentation is required?

  Typically includes passport, visa, income verification, and credit references.

• How much down payment is required?

  Usually higher than standard loans—but with Premia, down payment options can be as low as 5%.

• How long does the process take?

  Once documentation is in place, timelines can be similar to traditional loans.

• Can I use this loan for a primary residence?

  Yes—many foreign national loans are designed for primary occupancy.