Full Documentation Loan

“Broaden your horizons with global income inclusion”

Our Full Documentation Loan considers your comprehensive financial profile, utilizing both your foreign income and debts. Qualification is based on a combination of your income and credit from your home country, supported by international credit reports or alternatives such as bank reference letters and accountant certifications.

Get Rate Quote

Excellent

No US Credit history Required

No Green Card Required

No Visa Required

No US Income Required

Program Features

Features	Domestic Investors	Foreign Investors
Credit Score:	Minimum 620	No US credit needed
Down Payment:	20%	20%-25%
Loan Term:	Up to 30 Years	Up to 30 Years
Debt-to-Income Ratio:	Less than 43%	Less than 43%
Cash Reserves:	2 months	6 months
Approval Time:	Within 30 Days	Within 30 Days
Income Documents:	W2s, Pay Stubs, 1099, Bank Statements, CPA Letter for Self Employed	Foreign income and asset documents. International Credit Report or alternative proof of creditworthiness from home country

Get a Full Doc. Loan in 5 Quick Steps

Contact Our Loan Officers

Pre-Approval

Submit Application

Loan Approval

Closing

Get Started

Why HomeAbroad Loans?

Investor Focused

HomeAbroad Loans specializes in serving both domestic and international investors, providing tailored solutions that cater to the unique needs of a diverse clientele.

Fast Approvals

Our advanced technology platform streamlines the loan application process, allowing for faster approvals in under 30 days.

AI-Enabled Platform

Our AI-powered platform allows investors to search for properties, connect with international real estate experts, and qualify for mortgages without a US credit history—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.

Mortgage Guides

What is the Full Documentation Loan program?

The HomeAbroad Full Documentation Loan is designed for both domestic and foreign investors, leveraging personal income and credit history from either the US or their home country.

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.