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Self-employed & other income

Foreign-national mortgage

The short answer Some lenders finance eligible U.S. investment properties for borrowers who live and work outside the United States. Down payment, identity, credit references, source of funds, property, entity and documentation rules all vary by lender. Many of these products are investment-only, so ask Marcus about current options before assuming terms.

Last reviewed: October 18, 2026 · General education, not a loan offer or approval. Availability and terms depend on the lender, the property and your file.

It may fit if

  • You live and work outside the United States and want to buy U.S. investment property.
  • You can document your income and the source of your funds.
  • You plan to rent the property rather than live in it full time.

Tradeoffs to weigh

  • Some foreign-national products are for investment property only, not a primary home.
  • Translation, verification and fund-transfer rules are set by each lender and can add time.
  • Down payment and documentation requirements are often stricter than for a standard U.S. loan.

What to have ready

  • How you plan to use the property.
  • The U.S. state and type of property you're considering.
  • Your country of residence.
  • What income, bank and credit records you can provide.
  • Whether you plan to buy in your own name or through a company.
  • Don't send documents by email or chat; Marcus sends a secure link when it's time.

Questions people ask

Can the home be my primary U.S. residence under this program?

Don't assume so. Some foreign-national products are investment-only.

Are translated records or overseas funds acceptable?

The lender sets its own translation, verification and transfer requirements. Ask about them early so there are no surprises.

Your next step

Tell me what you're trying to do. I'll check which options fit your situation and walk you through the tradeoffs.

Start my applicationTalk to Marcus

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Marcus Wright
Who you'll work with

You work with me, start to finish.

Marcus Wright · Loan Officer, NMLS #2789841

Originates through Q Mortgage LLC, NMLS #2567464. Licensed in Texas.

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I aim to get back to you within a few working hours, often sooner.

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How it works

  1. 1. Tell me your goalCall, book a time or send a note. No SSN and no credit check to start a conversation.
  2. 2. I compare your optionsI look at your income, property and plans, and explain the costs and tradeoffs of each route in plain language.
  3. 3. Apply when you're readyYou apply through a secure application. The lender's underwriting makes the final decision, and I keep you updated until closing.
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(682) 403-3406Tap to call Pick a timeBook a call on my calendar Weekend timeSat–Sun, 11 a.m.–7 p.m. Central. I confirm it personally. marcus@qmortgage.aiEmail me anytime

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I aim to get back to you within a few working hours, often sooner.

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