Your USA Mortgage for Foreigners & Expats
Buy a home in the USA from anywhere in the world. Warren Factor closes mortgages for expats, foreign nationals, and ITIN borrowers — no US credit history required.
Your US mortgage — handled from anywhere on earth
For nearly 30 years, Warren M. Factor has helped expats, foreign nationals, and ITIN borrowers finance homes across the USA — licensed in 32 states. Most lenders turn international buyers away. Warren specializes in saying yes — structuring loans around foreign income, liquid assets, and rental cash flow instead of a US credit score.
Warren can even do a foreign national loan without income verification documentation.
What is an expat mortgage?
An expat mortgage is a home loan built for people who live outside the United States — or who lack a US credit history — but want to buy or refinance property in the USA. Where a standard US mortgage assumes a Social Security number, a domestic income, and a years-long credit file, an expat mortgage is underwritten around foreign income, liquid assets, and the property's rental value.
Two paths cover most international buyers. A residential expat mortgage is for buyers who will live in the home themselves — now or after relocating. A buy-to-let (investment) mortgage is for buyers who will rent the property out, qualifying on the rental income the home produces rather than a personal pay stub.
Warren Factor structures both. He knows which lenders accept a foreign passport, how to underwrite overseas bank statements, and how to close a loan when the buyer is in a different time zone — skills most US brokers simply don't have.
Benefits of working with an expat mortgage broker
Navigating foreign-income documentation, ITIN rules, and cross-border closings on your own is where most international buyers give up. Warren handles it end to end.
Higher approval odds
Most US lenders decline international files outright. Warren knows the niche lenders that say yes to foreign income, ITIN, and asset-based borrowers.
Cross-border expertise
Foreign bank statements, overseas employer letters, and currency conversion are second nature — not a reason to deny your file.
Remote, paperless closing
Online notarization and consulate services let you sign from your home country. Warren coordinates every step across time zones.
One broker, 32 states
Your single point of contact from pre-approval to closing — no call-center handoffs, no lost paperwork, no surprise fees.
Direct lender pricing
Warren quotes true direct-lender rates, not marked-up broker quotes, so your international mortgage costs the same as a domestic one.
Plain-English guidance
Warren explains ITIN, source-of-funds, and US closing customs in clear terms — so a buyer in any country knows exactly what happens next.
The Do's of buying property in the USA as a foreigner
A few proven moves that make buying a US home from abroad smoother — and keep you from overpaying or getting denied.
Get pre-approved for a mortgage
Before you start shopping for a property, it's essential to know how much you can afford. Get pre-approved for a mortgage to determine your budget and avoid falling in love with a property you can't afford. Foreign nationals and non-residents may need to provide additional documentation, such as bank statements and a credit report, to qualify for a home loan.
Higher down payments are often required for non-residents and foreign nationals, especially when purchasing an investment or second home, where down payments can range from 30–35%. It's important to shop for a mortgage lender and consult with experienced mortgage brokers to find the best home loan options for international buyers.
Get pre-approved with WarrenClose on your loan inside the USA
USA mortgages for expats and foreign nationals must close in the USA — you (or your spouse, if both are on the loan) need to be present to sign the final closing documents on US soil.
With one exception: with bank approval, a non-USA citizen may sign at a US embassy in any country. We coordinate with the lender to arrange an embassy signing when you can't travel, so your closing date is never missed.
Close remotely with paperless online notarization
You don't have to fly to the USA to close. Remote online notarization (RON) lets you sign and notarize your closing documents fully online and paperless from anywhere in the world. Warren coordinates every step across time zones — booking the virtual notary session, liaising with the lender and title company, and e-delivering documents so your closing never stalls.
Programs for buyers worldwide
Foreign National Loans
For buyers living outside the US with no US credit file. Warren can even close a foreign national loan without income verification documentation — qualifying you on assets, a valid passport, and a strong down payment. No Social Security number required.
ITIN Mortgages
An Individual Taxpayer Identification Number (ITIN) lets you finance a US home without a Social Security number. Warren walks you through obtaining one if you don't have it yet.
Asset-Based & DSCR
Underwritten around foreign income, liquid assets, and the property's rental value — so you qualify without a US job or pay stubs. Warren's lenders will even approve based on RENTAL INCOME ONLY, making this ideal for investors and self-employed expats.
Conventional & FHA
If you have established US credit and residency, Warren still offers conventional, FHA, and VA loans at the USA lowest rates.
Browse popular Florida markets
Warren is Florida-based — jump straight into Zillow listings in the state's most-searched markets. Or pick any US state below.
Browse homes by state
Warren is licensed in 32 states. Pick any state below to open live Zillow listings — then call Warren to finance your purchase.
Three steps to your new US front door
Find your US home
Search live listings on Zillow by city, ZIP, or address — in any of the 50 states. Save your favorites and watch new properties the moment they hit the market.
Get pre-approved with Warren
No US credit history? No problem. Warren pre-approves expats and foreign nationals using foreign income, assets, or an ITIN — so your offer is taken seriously.
Close from anywhere
From contract to closing, Warren manages your loan remotely. Direct lender pricing, fast underwriting, and no surprise fees — even when you sign from abroad.
Answers for international buyers
Can I buy a home in the USA if I'm not a US citizen or resident?+
Yes. Warren Factor closes mortgages for expats, foreign nationals, and non-permanent residents every week. You do not need a Green Card or US credit history to qualify.
Do I need a Social Security number?+
No. Foreign national and ITIN loan programs use your passport and an ITIN instead. If you don't have an ITIN yet, Warren will guide you through obtaining one.
What documentation do I need from abroad?+
Typically: passport, proof of foreign income (bank statements, employer letters, or CPA-prepared financials), and source-of-funds documentation. Warren provides a tailored checklist after a short call.
Can I close on the loan without flying to the United States?+
In most cases, yes. Remote online notarization and embassy/consulate services allow you to sign from your home country. Warren coordinates the entire closing remotely.
What down payment is expected for foreign nationals?+
Foreign national programs typically require 20–25% down. ITIN and asset-based programs may allow as little as 15%. Warren will quote your exact terms once he reviews your file.
Get pre-approved from anywhere
Sellers want a pre-approval, not a pre-qualification. Warren issues direct-lender pre-approvals for expats and foreign nationals so your offer stands out — and your rate is locked the moment you find the right home.
- Foreign national, ITIN & asset-based loans
- No US credit history required
- Remote closing — sign from your home country
- Direct lender pricing — no middleman markups
- Serving 32 states since 1996
Ready to buy in the USA?
Wherever you are in the world, call Warren for today's exact rate and a pre-approval built for international buyers.
NMLS #351633. Equal Housing Lender. This is not a commitment to lend. Terms and conditions apply. Program subject to change or cancellation without notice.