Foreign National Mortgages in Virginia

If you live abroad and want to own property in Virginia, 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 Virginia, consult an immigration attorney, and for tax questions, talk to a tax professional.

Questions about foreign national mortgages in Virginia?

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Virginia condo rules: Virginia condominiums are governed by the Virginia Condominium Act, and the Department of Professional and Occupational Regulation's Common Interest Community Board handles condominium registrations and association annual reports and licenses association managers, while its Common Interest Community Ombudsman helps owners understand their rights. The state also provides a standardized resale certificate form, the disclosure packet buyers and lenders typically review before a condo purchase. Source: Virginia DPOR.

Where the numbers point in Virginia

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

County	Residents born outside the U.S.
the City of Manassas Park	36.8%
the City of Manassas	32.4%
Fairfax County	30.8%
the City of Fairfax	30.6%
Loudoun County	27.4%
Prince William County	26.3%
the City of Alexandria	24.9%
Arlington County	22.4%
the City of Harrisonburg	17.8%
the City of Falls Church	16.6%

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Common questions

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.

How do lenders check credit without a U.S. credit report?

Lenders commonly accept international credit references instead. That can mean a letter from your bank describing your relationship and account history, a credit report from your home country where one exists, or reference letters from creditors you pay. Some programs also review any U.S. credit you already have. Ask each lender which forms it accepts and whether letters must be translated.

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.

Other non-QM options in Virginia

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