Foreign National Mortgages in Connecticut

Buyers from outside the United States look at property in Connecticut for many reasons: a seasonal home, a place for family visits or a rental. Foreign national mortgage programs let non-resident buyers finance a purchase in Connecticut using a passport, foreign income records and international credit references in place of a U.S. credit score. These programs usually focus on second homes and investment property, and they vary by borrower, property and investor. Plan documents and wires early.

Questions about foreign national mortgages in Connecticut?

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Connecticut condo rules: Connecticut condominiums fall under one of three laws depending on when the complex was created: the Unit Ownership Act, the Condominium Act, or the Common Interest Ownership Act. A seller must give the buyer the declaration, association bylaws, rules and regulations, and resale documents, which include the common charges and the association's reserve for capital expenditures. Source: Connecticut Department of Consumer Protection.

Where the numbers point in Connecticut

Counties with the most residents born outside the U.S.:

County	Residents born outside the U.S.
the Western Connecticut Planning Region	23.8%
the Greater Bridgeport Planning Region	22.5%
the Capitol Planning Region	15.2%
the Naugatuck Valley Planning Region	14.2%
the South Central Connecticut Planning Region	13.7%
the Northwest Hills Planning Region	9.5%
the Southeastern Connecticut Planning Region	8.8%
the Lower Connecticut River Valley Planning Region	8.2%

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Common questions

Can I buy a primary residence with a foreign national loan?

These programs are usually built for second homes and investment property, not a primary residence, because the borrower lives abroad. If you plan to live in the home full time, a different loan type may fit your situation. Whether and how you can live in the United States is a legal question, so consult an immigration attorney about it before you shop for financing.

Why do lenders want a U.S. bank account?

A U.S. account lets the lender set up automatic monthly payments and gives a clear record of your funds before closing. Some programs ask that down payment and reserve funds sit in a U.S. account for a period before closing. Opening the account early, and moving money in planned wires, helps you avoid last-minute delays caused by holds on international transfers.

Do I need a Social Security number or an ITIN?

Many foreign national programs do not require either one. They verify identity with a passport and, if applicable, a visa. Some programs may ask for an ITIN in certain situations, and you may need one for U.S. tax filings tied to the property. For questions about obtaining an ITIN or about your tax obligations, talk to a tax professional.

Other non-QM options in Connecticut

Bank statement loans Non-QM lenders Self-employed 1099 loans P&L loans Asset depletion No-doc / stated income New self-employed ITIN loans Non-warrantable condo Bank statement HELOC Interest-only

Census ACS 2020-2024, table B05002