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. 

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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

Get a Full Doc. Loan in 5 Quick Steps 

1

Contact Our Loan Officers

2

Pre-Approval

3

Submit Application

4

Loan Approval

5

Closing

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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. 

Hear How We Turned Dreams into Reality 

Excellent5 stars review
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Seamless Experience
HomeAbroad Loans’ Full Documentation Loan made the process of buying a property in the US effortless, even without a US credit history. Their team helped me use my foreign income to qualify for the mortgage.
Mei Zhang
Chinese Citizen, Parent of F1 Visa Holder
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Hassle-Free Qualification
Securing a mortgage as a non-resident investor was simpler than I expected. HomeAbroad Loans helped me use my assets to qualify, making the entire process stress-free.
Carlos Silva
Brazilian Investor without a Visa
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Effortless Home Buying
The full-doc loan used my Indian credit report and income to qualify for a mortgage in the US, bypassing the need for a US credit history. Thanks to HomeAbroad Loans, the process was quick and straightforward.
Nikhil Patel
Indian Parent of F1 Visa Holder
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Foreign Income Accepted
HomeAbroad Loans simplified the mortgage process for me as a foreign investor. With their help, I used my foreign income and credit history to secure a loan for my single family house.
Sofia Hernandez
Mexican Investor
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Stress-Free Mortgage
HomeAbroad Loans made it easy to qualify for a mortgage using my assets. Their team was approachable and supportive throughout the entire process.
Jay Singh
Indian Citizen, Parent of F1 Visa Student
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Great for Non-Residents
I was able to use my foreign income to qualify for a mortgage without needing US credit. HomeAbroad Loans made everything simple and fast!
Maria Lopez
Spanish Investor
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Qualify without US Credit History
I didn’t have US credit, but HomeAbroad Loans helped me use my foreign credit history and income to qualify for a mortgage.
Ryan Adams
Australian Investor
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Fast and Easy than I Thought
I secured a mortgage for my investment property in the US by using my foreign assets. HomeAbroad Loans handled everything smoothly, without needing a US credit history.
Ahmed Hassan
Dubai Investor

Ready to Join Our Happy Family of Satisfied Clients?

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FAQs

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Mortgage Guides

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.

What are you waiting for?

Begin your US real estate investment journey with HomeAbroad—we offer everything you need to succeed.

Get Started Now

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