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Foreign National Loan Programs: Ameritrust Mortgage

Unlock U.S. homeownership without a Social Security Number. Flexible terms, competitive rates, and expert guidance for foreign nationals and visa holders.

Invest in Your American Dream

The American Dream of homeownership is within reach for non-U.S. citizens. At Ameritrust Mortgage, we understand the unique challenges and aspirations of foreign nationals seeking to invest in U.S. real estate. Our Foreign National Loan program offers flexible financing solutions tailored to your specific needs and circumstances.

What are Foreign National Loans?

  • Foreign National Loans, also known as non-resident alien mortgages, are specialized mortgage products designed for individuals who are not U.S. citizens or permanent residents. These loans enable you to purchase property in the United States even if you don't have a Social Security Number (SSN). Instead, we accept your Individual Taxpayer Identification Number (ITIN) for qualification.

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Who Qualifies for a Foreign National Loan?

Ameritrust Mortgage's Foreign National Loan program is open to a variety of borrowers, including:

  • Non-U.S. Citizens: Individuals who hold citizenship in another country.

  • Non-Resident Aliens: Individuals who are not legal residents of the United States.

  • Visa Holders: Individuals with valid U.S. visas (e.g., E2, H1B, L1).

  • ITIN Holders: Individuals who have an ITIN issued by the IRS.

Benefits of Foreign National Loans:

Foreign National Loans offer several key advantages:

No Social Security Number (SSN)

No Social Security Number (SSN)

You can qualify for a mortgage without an SSN.

Competitive Interest Rates

Competitive Interest Rates

We offer competitive rates tailored to foreign nationals.

Diverse Property Options

Diverse Property Options

Finance primary residences, second homes, or investment properties.

Build Credit in the U.S

Build Credit in the U.S

Homeownership can help you establish a U.S. credit history.

Flexible Eligibility

Flexible Eligibility

We consider various factors beyond credit scores, such as your income and assets in your home country.

Take a step towards your dream home.

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Ameritrust Mortgage Foreign National Loan Programs:

Our Platinum ITIN Program is designed to make the American dream of homeownership a reality for foreign nationals and non-U.S. residents. Here's what sets our program apart

Your Gateway to U.S. Homeownership

Designed for ITIN Holders

o Specifically tailored for individuals with an ITIN, not an SSN.

Home Purchase & Refinance

o Whether you're buying your first home or refinancing an existing mortgage, we have options for you.

Flexible Eligibility

o We understand the unique financial circumstances of foreign nationals and offer flexible eligibility criteria.

Competitive Rates

o Enjoy competitive interest rates tailored to ITIN borrowers.

Loan Options

Fixed-Rate Mortgages

o Choose from 15, 30, or 40-year terms for stable monthly payments.

Adjustable-Rate Mortgages (ARMs)

o Opt for a 5/6 or 7/5 ARM for potentially lower initial rates.

Interest-Only Mortgages

o Pay only the interest for a set period to reduce your initial payments.

Purchase, Rate & Term, Cash Out

o We offer loans for various purposes.

Loan Options

LTV as High as 80% on Purchases

Borrow up to 80% of the property value.

Cash Out up to 75%

Access your home equity with cash-out refinancing.

Max 43% DTI

Manage your debt-to-income ratio with flexible underwriting.

24-Month Business or Personal Bank Statement Options

Qualify using your bank statements.

Full Doc and Alt Doc Options

We offer a variety of documentation options to fit your needs.

Non-Traditional Tradelines Allowed

We consider alternative credit histories.

Gift Funds Allowed

Use gift funds for your down payment or closing costs.

Self-Employed Possible

We welcome self-employed borrowers.

Additional Foreign National Mortgage Features

12- or 24-Months Bank Statements

Use your bank statements to verify income.

P&L Plus 2-Months Bank Statements

Combine profit and loss statements with bank statements for a comprehensive view of your finances.

1 or 2 Years of 1099s

If you're self-employed, we can use your 1099s to verify your income.

DU Findings Accepted on Selected Products

We may accept findings from Desktop Underwriter (DU) for certain loan programs.

12 Months or More Out of Bankruptcy

We consider borrowers who have been discharged from bankruptcy for at least 12 months.

Condotels

Finance condotels with our flexible loan options.

Why Choose Ameritrust Mortgage?

At Ameritrust Mortgage, we're committed to helping you achieve your dream of homeownership in the United States:

  • Expertise in Foreign National Lending:

    Our team specializes in assisting foreign nationals and non-U.S. residents.

  • Flexible Underwriting:

    We consider a variety of factors, not just your credit score, to determine your eligibility.

  • Competitive Rates:

    We offer competitive interest rates on our Foreign National Loan programs.

  • Competitive RTransparent Communication:

    We provide clear and timely communication throughout the loan process.

  • Personalized Service:

    We work closely with you to understand your unique needs and goals.

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Have Questions?

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Below you can find the answers to frequently asked questions.

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Customer Service

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Stay Connected

+1 ( 888 ) 499 - 9060

info@ameritrust-mortgage.com

Address: 17341 Irvine Blvd., Suite 285, Tustin, CA 92780