No, you do not need a Social Security number to qualify for a mortgage with us. We can work with an ITIN (Individual Taxpayer Identification Number) or accept documentation of your international tax status. The key is demonstrating your income and ability to repay through the documentation you have available.

We'll need proof of your income, employment, and savings. This might include recent tax returns from your home country, bank statements, employment letters, or international financial documentation. The specific documents depend on your situation. During your initial consultation, we'll explain exactly what we need to move forward with your application.

The main differences are in documentation and verification. Since you may not have a U.S. credit history, we look at your international credit profile, savings history, and financial stability. Down payment requirements may be structured differently. The terms and process otherwise work similarly to standard mortgages, and you'll receive a clear explanation of all terms before closing.

Yes, we work with both resident and non-resident foreign nationals. Whether you're planning to relocate for work, retire here, or purchase investment property, we can discuss your specific situation and explain what's required. Your visa status, employment situation, and ties to the community all factor into how we structure your loan.

Down payments are typically higher for foreign national applicants than for U.S. citizens with established credit, often ranging from 30% to 50% depending on your specific circumstances. We evaluate each application individually and will discuss what down payment makes sense for your financial situation.

Foreign national applications may take longer because of additional documentation verification and potential international financial review. Once you've submitted all required documents, we'll give you a realistic timeline. We maintain regular communication throughout the process so you know where things stand.