Financing U.S. real estate as a foreigner is more accessible than most assume. There are specific credit lines for non-residents, with long terms and historically lower rates than in many home countries. This guide explains the options, the down payments, and what lenders require.
There are two main routes: ITIN Borrower (typical 10% to 20% down) and Foreign National (25% to 40%). Terms reach 30 years, and financing preserves cash and can leverage the investment.
Two financing options
ITIN Borrower: for those who already have an ITIN (taxpayer number for foreigners) and some U.S. history. The down payment is usually 10% to 20%. Foreign National: for non-residents with no local history, with 25% to 40% down (many lenders want 30% to 35%).
Terms, rates, and currency
U.S. financing can reach 30 years, with fixed payments in dollars. Historically, rates are lower than in many home markets, making leverage more attractive. Since payments are in dollars, the rental income (also in dollars) helps cover the cost.
Documents and review
Generally you need a passport, proof of income and source of funds, bank statements, and, for the ITIN Borrower, the ITIN itself. Pre-approval sets the amount you can finance before choosing the property. First understand how to buy U.S. real estate and how much you need to invest.
Frequently asked questions
Can a foreigner finance U.S. property?
Yes, through ITIN Borrower or Foreign National loans, even without residence in the country.
What is the minimum down payment?
ITIN Borrower: around 10% to 20%. Foreign National: 25% to 40%, depending on profile and lender.
Is the term long?
It can reach 30 years, with fixed payments in dollars.
Do I need an ITIN?
For the ITIN Borrower line, yes. See how to get an ITIN.
Conclusion
Foreigner financing is a powerful tool: lower down payment, long term, and payments in dollars. Well structured, it lets you invest while keeping cash and is part of the path to protect your wealth.
Model your U.S. financing. Talk to Buldora.
Sources
Buldora's analysis based on official sources, including the IRS (U.S. taxes, FIRPTA, ITIN/Form W-7). Informational only; not legal, tax, or investment advice.
This article is part of the complete guide How to Buy Property in Florida as a Brazilian.
