Quintessential Mortgage Group, LLC
NMLS # 979266

Foreign National Mortgage

Purchase a home without citizenship

With our 50+ years in the industry we have gained extensive experience working with international borrowers looking to buy or refinance a property within the United States. We work alongside international real estate agents to ensure any borrower that enters our office has a financing plan. If you are looking to buy or sell your property in the United States, especially in the New York area, we will refer you to a real estate agent that specializes in working with foreign national buyers and homeowners.

home-buying Made easy for International borrowers

Our Foreign National Mortgage program is a flexible documentation program with clear guidelines to help you qualify. We offer additional options for the international buyer or homeowner with our Asset Qualifier or Full Doc mortgage programs.

  • Asset Utilization for Second Home Qualification
  • Second Home & Investment Properties
  • Borrowers can qualify with full documentation OR assets only
  • No work visa required
  • No income documentation required for asset qualification
  • No visa required when borrowers are residents of countries that participate in the Visa Waiver Program
  • No score or FICO 599
  • Up to 80% CLTV
  • Loan amounts up to $3 million
  • Cash-out allowed
  • DSCR as low as 0
  • CPA Letter for last 2 years & year-to-date
  • One bank reference letter
  • Overseas assets allowed as reserves
  • Gift funds allowed

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