U.S. Newcomer Mortgage

We understand the challenges newcomers to the U.S. face in securing a mortgage without a U.S. credit history. That’s why our U.S. Newcomer Mortgage Program is designed specifically for those who are new to the country and lack good FICO.

Pre-qualify Now

Excellent

No US Credit history Required

No Green Card Required

No Citizenship Required

Program Features

Down payment: 20%

Credit Score: No US Credit Needed

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

Income Documents: Pay stubs and employment verification

Loan Tenure: Up to 30 Years

Loan Amount: Up to $3 million

Cash Reserves: 6 months

Foreign Assets: Accepted for down payment, closing costs, and reserves.

Prepayment: No prepayment penalty

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

Get a US Newcomer Loan in 5 Quick Steps

Contact Our Loan Officers

Pre-Approval

Submit Application

Loan Approval

Closing

Get Started

Why HomeAbroad Loans?

Unmatched Expertise

HomeAbroad Loans offers the best rates and seamless guidance through the mortgage process for foreign nationals, thanks to our experienced mortgage officers.

Concierge Service

Our end-to-end concierge service ensures a smooth and successful real estate journey, providing tailored support from application to closing.

Cutting-Edge Technology

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 U.S. newcomer mortgage program?

The U.S. newcomer mortgage program is tailored specifically for U.S. newcomers who lack a U.S. credit history. It considers your credit history from your home country or other alternative documents, allowing you to qualify for a mortgage without U.S. credit history.

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.

Are there specific financial requirements for the U.S. newcomer mortgage program?

Yes, the program requires a minimum down payment of 20% or an LTV of 80%. The loan amount can go up to $3 million, with a maximum Debt-to-Income (DTI) ratio of 43%. Additionally, foreign assets can be used to verify funds for the down payment, closing costs, and reserve requirements.