Foreign National mortgage
ITIN | Tax Id loans

Please, do not call
We are currently unable to help with these loans.
We will hopefully be able to offer these products in the near future.



Foreign National/ ITIN application
Foreign National loan, testimonial from Daniel Caines, one of many satisfied borrowers.


It is not always true if you don't have a green card, you can't get a mortgage.  We do have financing for those who have a Tax ID number available.  However, guidelines have tightened substantially and you will need at least 40% for downpayment to have any chance at financing.

This is a very unique product, and the rate is higher.  The IRS provides this "ITIN", or tax identification number to qualified immigrants who are ineligible for a social security number.  Many immigrants and hispanic borrowers prefer to pay with cash and therefore have little or no credit trade lines established.  Our program will require the borrower to have at least 2 open established credit lines. The more a borrower is able to put down, the better the terms of the loan and the easier it will be to qualify.


Learn how to buy a home in the U.S.A. as a foreign national
(Mortgage Brokers, do not inquire)

Below are some guidelines for Foreign Nationals to qualify for a home loan in the United States with Choice Finance® at 60% ltv:

  • In United States legally (work visa)  What is your Visa status?
  • Funds in a U.S. bank (no seasoning)
  • Primary residence, second home, vacation home, investment property
  • Purchase? refinance? cash-out refinance
  • Construction loan (requires full documentation)
  • All loan amounts considered. 
  • Work visa financing available- primary residence only
  • If your property is in Florida and is a condo, we may need 40% down payment


The following may require more down payment

  • You do NOT need a social security number, green card, U.S. work history or credit history
  • No documentation or credit report
  • No income verification.  Stated, not verified.  (not legal in Maryland)
  • No asset verification.  Stated, not verified.  (not legal in Maryland)
  • Need valid passport from country of origin


Contact us for more details and get all your questions answered.

Agente que habla español 1   |  Foreign National Loan Officer
Agente que habla español y Portuguese

Prestamos Hipotecarios para Extranjeros





Visa Status

A                                 Foreign Government Officials (General)
A-1                              Ambassador, public minister, career, diplomatic
A-2                              Other foreign government official or employee and immediate family
A-3                              Personal employee of A-1 or A-2

B                                  Temporary visitor for Business or Pleasure (General)
B-1                              Temporary visitor for business
B-2                              Temporary visitor for pleasure

C                                 Alien in Transit (General)
C-1                              Alien in Transit directly through U.S.    
C-3                              Foreign government official, immediate family, or personal employee, in transit

D                                 Crewmember  
D-1                              Crewmember (Sea or Air)
D-2                              Crewmember departing by means other than arriving vessel.


E                                  Treaty Traders/Treaty Investors (General)
E-1                              Treaty Trader and employees, spouse, and children
E-2                              Treaty Investor, and employees, spouse and children

F                                  Academic Students (General)
F-1                              Academic student (except Border Commuters from Canada or Mexico, see below)
F-1/F-3                        Border Commuter Academic Student from Canada and Mexico
F-2                              Spouse or child of F-1

G                                 Foreign Government Officials to International Organizations
G-1                              Principal resident representative of recognized foreign member government to international organization, staff, and immediate family.
G-2                              Other representative of recognized foreign member government to international organization and immediate family.
G-3                              Representative of non-recognized or nonmember foreign government to international organization and immediate family.
G-4                              International organization office or employee, and immediate family.
G-5                              Personal employee of G-1, G-2, G-3, G-4, and immediate family.

H                                 Temporary Workers (General)
H-1B                           Alien in Specialty Occupation (profession)
H-1C                           Registered Nurse Serving in underserved area
H-2A                           Temporary worker performing Agricultural Services
H-2B                           Temporary worker performing other services unavailable in the United States (petition filed on or after 06/01/87)
If you come on this Visa, you can't later ask for permanent residence through the same employer in the same job.  You can find a 2nd employer willing to sponsor you for a permanent labor certificate.
H-3                              Trainee
H-4                              Spouse or child of H-1, H-2, or H-3

I                                   Information Media Representatives n, spouse, and children.

J                                   Exchange Visitors(General)
J-1                               Exchange visitor
J-2                               Spouse or Child of J-1

K                                 Fiancé (e) of a U.S. Citizen(General)
K-1                              Fiancé (e) of a U.S. Citizen
K-2                              Minor child of K-1
K-3                              Spouse of U.S. Citizen (LIFE Act)
K-4                              Child of K-3 (LIFE Act)

L                                  Intracompany Transferees (General)
L-1A                            Intracompany transferee (Executive, managerial)

L-1B                            Intracompany transferee (specialized knowledge alien)
L-2                              Spouse or child of L-1


M                                 Non-academic Students
M-1                             Vocational or other non-academic student (except Border Commuters from Canada or Mexico, see below)
M-1/M-3                     Border Commuter Vocational or Non-Academic student from Canada or Mexico
M-2                             Spouse or child of M-1

N                                 Certain parents and children of Special Immigrants
N-8                              Parent of an SK-3 Special Immigrant
N-9                              Child of N-8, SK-1, SK-2 or SK-4 Special Immigrant

NATO                         NATO Representatives, Officials, and Employees (General)
NATO-1                      Principal Permanent Representative of Member State to NATO, (including any of its Subsidiary Bodies)  Resident in the U.S. and the Resident Members of Official Staff, Secretary General, Assistant Secretary General, and Executive Secretary of NATO; Other permanent NATO Officials of Similar Rank; or Immediate Family.              
NATO-3                      Official clerical staff of representative of member state to NATO/subsidiary body or immediate family.
NATO-4                      NATO officials other than those qualified as NATO-1 or immediate family members
NATO-5                      NATO experts other than those qualified as NATO-4 employed in NATO missions and immediate family.
NATO-6                      Members of civilian component accompanying a force entering in accordance with NATO Status-of-Forces Agreement or attached to Allied Headquarters under “Protocol on the status of International Military Headquarters” set up pursuant to the North Atlantic Treat; and immediate family.
NATO-7                      Attendant, Servant, or Personal employee of NATO-1, NATO-2, NATO-3, NATO-4, NATO-5, NATO-6, and immediate family.


O                                 Aliens with Extraordinary Ability (General)
O-1                              Aliens with extraordinary ability in sciences, arts, education, business, or athletics
O-2                              Alien accompanying/assisting 0-1 performers or athletes
O-3                              Spouse or child of)-1 or)-2

P                                  Athletes, Artists, and Entertainers (General)
P-1                              Individual or Team Athletes; Group Entertainer
P-2                              Individual/Group Artist or Entertainer in Reciprocal Exchange Program
P-3                              Artist or Entertainer in Culturally Unique Program
P-4                              Spouse or child of P-1, P-2, or P-3


Q-1                              International Cultural Exchange Visitor
Q-2                              Irish Peace Process Cultural and Training Program (Walsh Visas)
Q-3                              Spouse or child of Q-2

R                                  Religious Workers (General)
R-1                              Religious Worker         
R-2                              Spouse or child of R-1

S                                  Witness or Informant (General)
S-5                              Witness or informant regarding Criminal Organization
S-6                              Witness or informant regarding Terrorism
S-7                              Spouse, child, or parent of S-5 or S-6

T                                  Victim of trafficking in person & immediate family
T-1                              Victim of a severe form of trafficking in persons
T-2                              Spouse of trafficking victim
T-3                              Child of trafficking victim
T-4                              Parent of trafficking victim under 21

TN/TD/NAFTA           North American Free Trade Agreement
TN-1                           Canadian NAFTA Professional
TN-2                           Mexican NAFTA Professional
TD                               Spouse or child of TN-1 or TN-2

TWOV                                    Transit without a visa (Passenger or crew admitted temporarily)

U-1                              Victim of certain criminal activity
U-2                              Spouse of U-1 victim
U-3                              Child of U-1 victim
U-4                              Parent of U-1 victim under 21

V                                 Immediate Family of Legal Permanent Resident
V-1                              Spouse of a Legal Permanent Resident who is the principal beneficiary of a family-based petition
V-2                              Child of a Legal Permanent Resident who is the principal beneficiary of a family-based petition

V-3      Derivative Child of a V-1 or V-2

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