Foreign National Loans in NC & SC
Foreign national mortgages let non-US citizens buy a second home, vacation property, or investment property in North Carolina and South Carolina — with no US credit history required.
What Is a Foreign National Loan?
A foreign national loan is a Non-QM program designed for buyers who live outside the US, hold a foreign passport, and don’t have a US Social Security number or domestic credit profile. We qualify you using your international credit, assets, or foreign employment/business income.
Program HighlightsNo US credit score required
25–35% down typical
Loan amounts to $3M+
Second home and investment properties
Short-term rental (Airbnb/VRBO) income allowed
Close in personal name or LLC
Fixed and ARM options
Documentation NeededValid foreign passport + US visa (if applicable)
International credit reference letters (2–3)
2 months bank statements (US or foreign)
Proof of income (employer letter, CPA letter, or business docs)
Reserves: 6–12 months PITIA
Popular NC/SC Destinations
Charleston, Kiawah, Isle of Palms, Sullivan’s Island, Hilton Head, Myrtle Beach, Asheville, Wilmington, Outer Banks, Charlotte, Raleigh.
Get Started
Call (843) 376-6213 or apply online. We help international buyers close on their Carolina dream home. Se habla español.