Can a foreign national get a U.S. mortgage without a Social Security number?
By AbeAugust 12, 2026Foreign National Loans
Short Answer
Yes. Certain foreign-national mortgage programs may finance U.S. property without a Social Security number or established U.S. credit, subject to the lender's eligibility and documentation rules.
Full Detailed Answer
These programs are commonly used for second homes or investment properties. Lenders may review passport and visa information when applicable, foreign income or assets, bank references, international credit, U.S. property cash flow, and the source of funds.
A larger down payment and additional reserves are often required compared with standard domestic financing. Property type, occupancy, country of residence, currency, entity structure, and sanctions or compliance screening can affect eligibility.
The borrower should also obtain independent tax and legal advice about U.S. ownership, rental income, estate planning, and entity structure. Mortgage approval does not answer those separate questions.
What Abe Will Review
- Citizenship and country of residence
- Passport, visa, and identification
- Foreign income, assets, or property cash flow
- Down payment, reserves, and property use
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