Eligible No-U.S.-Credit-Score Pathways
Foreign national mortgage options without a U.S. credit score.
You may be able to finance an eligible U.S. rental property without a U.S. credit score. Identity, available credit history, assets, property, and underwriting requirements still apply.
What the mortgage desk reviews
Prepare the investor and property details.
The mortgage desk evaluates the available credit profile together with identity, housing or financial references when required, assets, reserves, property cash flow, appraisal, title, ownership structure, and transaction details.
Identity and country review
Valid identity documents and confidential country and legal eligibility review remain part of the process.
Assets and reserves
Down payment, closing funds, post-closing reserves, ownership of funds, and the source and movement of funds must be documented.
Property cash flow
Rental income, monthly housing expense, property type, appraisal, location, and loan purpose are reviewed together.
Prepare a clean scenario
What to share in your first review.
- Provide the country of citizenship and current contact information
- Say whether you have a U.S. credit score; use “Not sure” if you do not know
- Identify where your closing funds are held, including any accounts outside the United States
- Share the property, loan purpose, rental strategy, value, and requested loan
- Ask which credit or housing references and translated records the proposed lender will need
Foreign National Mortgage USA
Review a no-U.S.-credit-score scenario.
Share the property, loan request, rental strategy, available assets, country of citizenship, and whether any U.S. credit profile exists.
Business-Purpose Investment Financing
This website presents financing intended for eligible non-owner-occupied U.S. investment properties and business purposes only. The subject property may not be occupied by the borrower or the borrower’s family when prohibited by the applicable program, and loan proceeds may not be used for personal, family, or household purposes. View the Business-Purpose Disclosure.
Program availability, occupancy requirements, loan terms, and eligibility are subject to underwriting guidelines, property review, state restrictions, and lender approval.
© 2026 Foreign National Mortgage USA. FFC Mortgage Corp. dba NonQM123, NMLS #3252. Equal Housing Lender. All loan programs, rates, terms, and eligibility requirements are subject to change without notice and are subject to credit review when applicable, property review, underwriting guidelines, and applicable state restrictions. Not all applicants or properties will qualify. This website does not constitute a commitment to lend.
Any rates, payments, loan amounts, LTVs, DSCR figures, or examples shown are for illustrative purposes only and are not guaranteed. Actual terms depend on the complete loan scenario and underwriting approval.