Full Documentation Loan

“Broaden your horizons with global income inclusion”

Our Full Documentation Loan considers your global financial profile, including foreign income and debts, using international credit reports or alternatives like bank references. Ideal for international buyers, it helps you leverage your complete financial standing to secure US real estate financing.

Get Rate Quote

Excellent

No US Credit history Required

No Green Card Required

No Visa Required

No US Income Required

Program Features

Down payment: 20%-25%

Credit Score: No US Credit Needed

DTI (Debt-to-Income) Ratio: Max 43%

Income Documents: Foreign income and asset documents

Loan Tenure: Up to 30 Years

Cash Reserves: 6 months

Other Documents: International Credit Report or alternative proof of creditworthiness from home country

Approval: Under 30 days

HomeAbroad Full Documentation Loan Program Features

Get a Full Doc. Loan in 5 Quick Steps

Contact Our Loan Officers

Pre-Approval

Submit Your Application

Loan Approval

Closing

Get Started

Why HomeAbroad Loans?

Investor Focused

HomeAbroad Loans specializes in serving both domestic and international investors. We offer tailored mortgage solutions to meet the unique needs of our diverse clientele.

Fast Loan Approvals

Our advanced technology streamlines and quickens the mortgage application process, enabling loan approvals in under 30 days for a seamless and quick experience.

Tech-Enabled Platform

Our innovative platform simplifies the mortgage journey for investors. Qualify without a US credit history, explore financing options, and secure your loan—all in one place.

What Our Clients Say

Excellent

Quick and Trustworthy

“Quick response, reliable & trustworthy. HomeAbroad helped me find the perfect agent & purchase my investment property in Katy, TX. Would definitely recommend!”

Rashmi Mayekar

Non-US Resident Investor

Seamless Experience

“When we thought about getting a loan, we expected a lot of hassle, being a non-resident. But with HomeAbroad, the process was much easier than I ever imagined. Thanks to Steve.”

Mei Ling Zhang

Non-Resident Chinese Investor

Definitely Recommended

“The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process.”

Chris Envall

Non-Resident Buyer

Definitely Recommended

“My wife and I wanted a home in the US to be closer to our grandkids. HomeAbroad helped us find the perfect home and secure financing without US credit. Michele guided us every step. We couldn’t be happier!”

Thomas Van Zyl

US Newcomer on Immigrant Visa

Definitely Recommended

“The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process.”

Chris Envall

Non-Resident Buyer

Quick and Trustworthy

“Quick response, reliable & trustworthy. HomeAbroad helped me find the perfect agent & purchase my investment property in Katy, TX. Would definitely recommend!”

Rashmi Mayekar

Non-US Resident Investor

Game-changer

“HomeAbroad was a game-changer! They helped me get mortgage financing and find an agent who understood my needs. I couldn’t be happier with their assistance.”

Steve Papadakis

Newcomer on H1-B Visa

Clear Guidance for Non-Residents

“Navigating the US mortgage market as a non-resident seemed daunting, but HomeAbroad Loans made it straightforward and clear. They provided excellent support throughout.”

Mason Delgado

UK Investor without a Visa

Ready to Join Our Happy Family of Satisfied Clients?

FAQs

Didn’t find what you were looking for? Explore our foreign national mortgage resource library.

What is the Full Documentation Loan program?

The Full Documentation Loan program is tailored specifically for foreign investors without a US credit history. It considers your entire financial profile, including income and credit history from your home country, allowing you to qualify for a US mortgage without US credit history and income.

What alternative proofs of creditworthiness does HomeAbroad accept?

Our mortgage program accepts alternative proofs of creditworthiness, such as timely payments on tradelines from your home country, including credit cards. Supported credit reports from your home country can also be used to verify your credit history.

Do I need a visa to get a Full Documentation Loan?

Investors from visa waiver countries do not need a visa to get this loan. For others, a visa is preferred but not mandatory, as all foreign investors can close on their property without visiting the United States.

Pre-qualify for a Full Doc Loan

Talk to our loan officer and discuss your needs to get approved for a full doc loan

Get Started Now

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