For non-U.S. residents with no credit history.
Built for international investors buying U.S. real estate without a domestic credit footprint. Qualify with a valid passport and visa, choose Full Doc, Bank Statement, Asset Qualifier or DSCR documentation, and use gift funds toward your down payment.
What we do — and what we don't. Local Loan Store™ specializes in commercial, investor, and non-owner-occupied lending plus secured & unsecured business working capital. We do not originate personal loans or owner-occupied residential mortgages. If your scenario is personal or owner-occupied, we'll happily refer you to a trusted partner who is ready to help — just submit your inquiry and we'll route it to the right desk.
Send a passport scan + visa and a sourced down-payment letter
Pick a doc path: Full Doc, Bank Statement, Asset Qualifier, or DSCR
We order the U.S. appraisal and clear title in parallel
Close at a U.S. notary or consulate — funds wired same day
Worked examples using the program's actual LTV and qualifying rules. Numbers are illustrative — your file determines your final terms.
Non-U.S. resident, no FICO, $400k in liquid assets
75% LTV purchase using Asset Qualifier docs — no U.S. credit needed.
Foreign national, two existing U.S. rentals
70% LTV cash-out refi qualified entirely on rental income.
% of value financed at purchase — click a bar to open the program
USD millions — click a bar to open the program
Lower band = best-case pricing. Hover for details, click to open the program.
Foreign-national loans are non-QM by design — they sit outside Fannie/Freddie guidelines, which is why visa and passport take the place of a U.S. FICO score.
Most foreign-national borrowers close into an LLC. We issue the loan to the entity with a personal guaranty so title and U.S. tax planning stay clean.
Cash-out proceeds can be wired internationally subject to OFAC and bank-level KYC review — start the source-of-funds documentation early to avoid closing delays.
Quick answers about Foreign National CRE. Not seeing your question? Talk to a loan officer below.
Submit your scenario — a loan officer will confirm program fit and indicative pricing within one business day.
