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.
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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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.
Foreign National Loans offer several key advantages:
No Social Security Number (SSN)
You can qualify for a mortgage without an SSN.
Competitive Interest Rates
We offer competitive rates tailored to foreign nationals.
Diverse Property Options
Finance primary residences, second homes, or investment properties.
Build Credit in the U.S
Homeownership can help you establish a U.S. credit history.
Flexible Eligibility
We consider various factors beyond credit scores, such as your income and assets in your home country.
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.
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.
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.
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.
Have Questions?
Below you can find the answers to frequently asked questions.
Anything Unclear or Need Some Help? Relax, We Are Here for You 24/7
Relax and take comfort in knowing that our 24/7 support ensures you're never alone on your financial journey.
Customer Service
Please provide your query, and we will assist you as quickly as we can.
+1 ( 888 ) 499 - 9060
info@ameritrust-mortgage.com
Address: 17341 Irvine Blvd., Suite 285, Tustin, CA 92780
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