Foreign National Loans


Owning a home is part of achieving the American Dream, not only for US citizens, but also for residents who live in the country and have not acquired their official citizenship. Pacific Sunrise Mortgage has financing options for non-resident aliens, foreign nationals, and citizens of countries other than the U.S.A.


Am I considered a Non-Resident Alien?

A Non-Resident alien is a citizen of a country other than the U.S. or a foreign national legally living in the U.S. We offer loans for the initial purchase or refinancing of second and investment homes.


How much can I borrow?

You can borrow any amount for the purchase or refinancing of a second or investment home. The qualifying housing expense to income ratio is 30% and the total expense to income ratio is 40%. Our mortgage experts will calculate these ratios for you based on the income and asset information you provide and tell you how much you can afford to borrow.

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Product Eligibility

• Maximum LTVs up to 65% allowed for a true foreign national
• Expanded LTVs allowed with an International Credit Report