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Foreign National Loan Program:

Available financing for buyers from overseas

Portfolio

A True Foreign National Program for the purchase of a primary or second home qualifying borrowers with foreign income, assets, and credit.

 

If you are a citizen of another country who visits on vacations or relocates to the U.S. for business, educational, or employment opportunities and looking to purchase a property, Clear Lending can help you. Simply apply online and we will contact you right away to review best options for you.

Some Requirements of the Program Include:

• A copy of the Borrower’s passport and visa must be obtained to verify eligibility. (Tourist Visa OK).
• Income and employment verified with paystubs, tax returns and/or accountant letter and proof of business registration (self-employed).
• Assets verified with banking reference letter and 3 months statements (home country assets allowed).
• Three (3) reference letters of credit from U.S.A. and/or home country are required or credit report
• Investment properties financing available up to 70% of property’s value or sales price, whoever is lower.
• Up to 75% financing with 30 year amortization for primary or second home occupancy.  

Whether you are considering purchasing a second residency or an investment property, Clear Lending can help you. Simply apply online and we will contact you right away to review best options for you.  

 

Don't wait any longer and find out how much you can get Pre-Approved for.

If you are a foreign national and are considering purchasing or refinancing an existing mortgage loan, Clear Lending can help you. Simply complete our secure and encrypted Pre-Approval Form online and we will contact you right away to review best options for you.

Not all applicants will qualify. This advertisement is not an offer for an extension of credit. Please meet with a licensed loan originator for more information as programs are available only to qualified borrowers. Programs rates, fees, terms, and programs are subject to change without notice. Not all loans, loan sizes, or products may apply. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet loan-to-value requirements, and final credit approval. Approvals are subject to underwriting guidelines and program guidelines and are subject to change without notice. Some restrictions may apply.

Customers Reviews:

  • Maria Luciani • February 14, 2017

    Thank you so much Joan for helping me get approved and close on my beautiful house after being denied by AMCAP and CORNERSTONE over silly stuff. I signed a contract with Stormi Harris from NEWMARK homes and she pretty much requested me to get approved with their preferred lenders. First, I went to AMCAP and later I was sent to CORNERSTONE. Both first approved me but after waiting and a second review or something like that denied me for not having 2-year employment history with same employer and for a couple of silly old issues on credit. At that point, I had given NEWMARK homes over $13,000 which sometimes as per all communications I felt builder I was not going to get back if I didn’t get approved. Then I after searching on google for local lenders I was lucky enough to find Clear Lending and after sending an approval request I got a call from Broker Joan Gallardo. I advised him about the urgency and after I sent him my documents requested he gave me peace of mind by telling me I had 90% chance of being able to close. Joan was so clear and precise with what to expect I felt I was on the right place. After few conditions we had to clear I got the good news I was Clear-To-Close. I am so thankful I want everyone to know this guy rocks and if you are buying a brand new house maybe you want to avoid builder lenders if you don’t have everything perfect. Loan Officers will tell you everything is ok but as I lived it I can see they had no idea what underwriting may come back with after waiting and waiting for an approval. Soo scary!!!! Thanks Clear Lending for saving me from a huge loss and helping realize my dreams. I will refer you all my friends or whoever ask me if I know a good lender!!!

  • Luis Ramirez • October 29, 2015

    Joan is an awesome loan officer! Not only has he helped me but also my family and friends I referred him. He literally is available any time you have questions or need him. He makes the home buying/refinance process very stress free. With his professionalism and expertise, he finds a way to get you the house of your dreams. I highly recommend him!

  • Zulma Y Carlos • May 14, 2016

    Gracias Sr. Gallardo por realizarnos nuestro sueno de tener nuestra propia casa, por asignarnos un buen realtor, apreciamos todo el tiempo que ud dedico para obtener el mejor de los creditos y el mejor interes para nosotros, pocas personas encontramos como ud. totalmente dedicado y enfocado a darnos el tiempo necesario en cualquier momento y hora, son una mortgage totalmente seria, nosotros lo recomendamos 100% Dios le bendiga siempre.

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