If you live abroad and want to own property in Pennsylvania, a foreign national loan may let you keep part of your cash available instead of paying the full price at closing. Lenders look at your foreign income, bank statements and credit references, and they often want a U.S. bank account. Expect higher pricing than an agency loan and a larger down payment. For visa questions about owning in Pennsylvania, consult an immigration attorney, and for tax questions, talk to a tax professional.
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
Pennsylvania condo rules: Pennsylvania condominiums are governed by the Uniform Condominium Act in Title 68 of the Pennsylvania Consolidated Statutes, which includes a chapter on protection of purchasers covering resales of units; cooperatives and planned communities have their own separate parts of Title 68. Source: Pennsylvania General Assembly.
Where the numbers point in Pennsylvania
Counties with the most residents born outside the U.S.:
| County | Residents born outside the U.S. |
|---|---|
| Philadelphia County | 15.2% |
| Lehigh County | 14.4% |
| Montgomery County | 11.5% |
| Monroe County | 11.2% |
| Delaware County | 11.2% |
| Bucks County | 10.4% |
| Chester County | 10.1% |
| Dauphin County | 9.8% |
| Berks County | 9.7% |
| Luzerne County | 9.6% |
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Local pages in Pennsylvania
- Non-QM lenders in Philadelphia
- Non-QM lenders in Pittsburgh
- Non-QM lenders in Allentown
- Non-QM lenders in Harrisburg
- Non-QM lenders in Lancaster
- Non-QM lenders in Scranton
- Non-QM lenders in Reading
- Non-QM lenders in York
- Non-QM lenders in Erie
- Non-QM lenders in Pottstown
- Non-QM lenders in State College
- Non-QM lenders in Lebanon
- Non-QM lenders in Bethlehem
- Non-QM lenders in Altoona
- Non-QM lenders in Hanover
- Non-QM lenders in Johnstown
- Non-QM lenders in Monessen
- Non-QM lenders in East Stroudsburg
- Non-QM lenders in Hazleton
- Non-QM lenders in Williamsport
- Non-QM lenders in Chambersburg
- Non-QM lenders in Levittown
- Non-QM lenders in Bloomsburg
- Non-QM lenders in Uniontown
- Non-QM lenders in Wilkes-Barre
- Non-QM lenders in Pottsville
- Non-QM lenders in New Castle
- Non-QM lenders in Butler
- Non-QM lenders in Norristown
- Non-QM lenders in Chester
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.
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.
Can a non-resident get a mortgage in the United States?
You may qualify through a foreign national mortgage program. These are non-QM loans designed for buyers who live abroad and want a U.S. second home or investment property. Instead of a U.S. credit score and pay stubs, lenders review your passport, foreign income records, bank statements and credit references. Programs vary by borrower, property and investor, and every loan is subject to credit approval.
Other non-QM options in Pennsylvania
Bank statement loansNon-QM lendersSelf-employed1099 loansP&L loansAsset depletionNo-doc / stated incomeNew self-employedITIN loansNon-warrantable condoBank statement HELOCInterest-only
Related guides
- Foreign National Mortgages: Guidelines, Documents and Property Use
- What Is a Non-Warrantable Condo, and How Can You Find Out Before You Offer?
- How to Compare Non-QM Loan Offers: Loan Estimates, Features and Fit
Foreign National Mortgages overview · Pennsylvania non-QM overview
- Census ACS 2020-2024, table B05002