Fast & Hassle-Free Home Loans for Foreign Nationals

Buying a home in the United States as a foreign national can present unique challenges. Navigating unfamiliar financial systems, credit requirements, and documentation can be daunting. However, with the right approach and the right lender, achieving your dream of homeownership is entirely possible.

Highland Mortgage: Your Partner in Homeownership

Highland Mortgage understands these unique challenges. Our team of highly experienced professionals are experts in navigating foreign national credit and asset verification issues, ensuring your loan funds on time and with minimal hassle. We specialize in providing fast and hassle-free home loans tailored to the specific needs of foreign national borrowers.

Program Overview: Designed for Your Success

Our program is designed to streamline the process, making it as efficient and straightforward as possible. Key features include:

Flexible Income Verification: We accept income verification letters from your employer or investor cash flow (DSCR). No tax returns are required.
Foreign Credit Reports: We consider foreign credit reports, allowing us to assess your creditworthiness effectively.
Foreign Asset Utilization: Your foreign assets can be used as reserves to support your loan application.
Competitive Rates & LTVs: We offer highly competitive interest rates and LTVs up to 75%. Cash-out financing is available up to $500,000, with higher LTVs (up to 65%) potentially achievable with sufficient cash reserves.
Simplified Visa Requirements: While various Visa types are accepted, a visa isn't strictly required if the property is held within a US-domiciled company with a domestic agent of service.
Unsurpassed Funding Times: We strive for quick processing and funding times.

Chris A. Heidt: Your Dedicated Mortgage Expert

Chris A. Heidt, your Mortgage Banker/Branch Manager (NMLS # 38412), and his team are dedicated to guiding you through every step of the process. With extensive experience in foreign national loans, Chris provides personalized support and expert advice to ensure a smooth and successful home buying experience. You can reach him at (239) 470-6310 or chris.heidt@highlandmtg.com.

Next Steps:

Ready to begin your journey to homeownership? Contact Chris A. Heidt and the team at Boxcar Mortgage, LLC dba Highland Mortgage (NMLS # 1969375) today. We are committed to helping you achieve your dream of owning a home in the United States.

Disclaimer: This is not a commitment to make a loan, nor should it be construed as lending advice. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, program guidelines, and may change without notice based on the applicant's eligibility and market conditions. Refinancing an existing loan may result in higher total finance charges. Reduction in payments may reflect a longer loan term. Terms of the loan may be subject to the payment of points and fees. See the NMLS consumer access website (https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1969375) for state licensing information.