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.

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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 

1

Contact Our Loan Officers

2

Pre-Approval

3

Submit Application

4

Loan Approval

5

Closing

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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. 

Hear How We Turned Dreams into Reality 

Excellent5 stars review
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Made Buying My First Home Possible
I thought my lack of US credit history would stop me from getting a mortgage. HomeAbroad used my foreign credit history and made the entire process so easy.
Priya Nair
H1B Visa Holder
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Perfect for F1 OPT Students
HomeAbroad considered my foreign credit history and made it work. They truly understand the challenges that newcomers face.
Ahmed Farouk
F1 OPT Student
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Definitely Recommended
HomeAbroad helped me qualify for a mortgage using my US income and foreign credit history. I thought it would be a complicated process, but Steven made it feel easy and stress-free!
Mina Lee
L1 Visa Holder
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Realized My American Dream
I didn’t have much US credit history, but HomeAbroad used my credit back home to get me qualified. They made the dream of owning my first home in the US come true.
Gabriel Silva
H4, EAD Holder
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Newcomer-Friendly
I wasn’t sure if I could qualify for a mortgage in the US. HomeAbroad’s team guided me through every step to get me approved.
Sara Fernandez
TN Visa Holder
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Living Rent-Free
Thanks to HomeAbroad, I was able to purchase a single-family home, even with limited US credit history. I’m renting out part of the house to students, and their rent covers my mortgage payments, allowing me to live rent-free!
Raj Patel
F1 OPT Student
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Great for Visa Holders
They used my foreign credit history and my US income to help me secure a mortgage. The process was so much simpler than I anticipated, thanks to their team.
Julia Martinez
L1 Visa Holder
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Easiest Mortgage Process
Their support made it a stress-free process, and now I have a house in Seattle! Happy and grateful.
Chris James
O1 Visa Holder

Ready to Join Our Happy Family of Satisfied Clients?

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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.

What are you waiting for?

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

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