Helping International Buyers
Invest in U.S. Property
Accessible financing options designed specifically for non-U.S. citizens.
Start your applicationAccessible Options
Loans tailored for visa holders, non-residents, and ITIN borrowers.
Simplified Process
Expert management of international income verification.
Portfolio Growth
Expand your investment portfolio with high-value U.S. real estate.
Property Ownership Made Possible
We simplify the complex process of buying U.S. real estate from abroad, guiding you through documentation, approvals, and closing.
No US Credit Needed
We can use international credit reports or credit references.
Remote Closing
Close on your property without necessarily needing to travel to the US.
Competitive Rates
Access to loan products that make financial sense for investors.
DSCR Options
Qualify based on the property's rental income potential, not your personal income.
How to Apply
The process is streamlined to help you secure funding quickly and efficiently, even from overseas.
1. Select Your Property
Find the right investment opportunity in the U.S. market.
2. Gather Documentation
Passport/Visa, home country income proof, and proof of funds.
3. Get Pre-Approved
Demonstrate your buying power to sellers with a solid approval letter.
4. Close the Deal
Finalize the loan and take ownership of your new U.S. asset.
Conventional Loan vs. FHA Loan:
Which is Right for You?
Trying to decide between a Conventional Loan and an FHA Loan? Here's a clear breakdown to help you choose the best mortgage option for your needs.
Credit Requirements:
FHA loans are more lenient on credit scores, while conventional loans typically require higher scores.
Down Payments:
FHA loans require 3.5% down, while conventional loans can go as low as 3% for first-time buyers.
Mortgage Insurance:
FHA loans require mortgage insurance for the life of the loan, while conventional loans allow you to remove PMI after reaching 20% equity.
Estimate Your Affordable Monthly Payment
Take the guesswork out of home financing. Use our simple mortgage calculator to estimate your monthly payment in seconds. With just a few details: loan amount, interest rate, and loan term – you’ll see an accurate breakdown of what your monthly payments could look like. Start planning your next move with confidence today!
Estimate Your Monthly Payment
Client Success Stories
Don't just take our word for it. Here's what our satisfied clients have to say about their home buying journey.
Robert & Sarah J.
Miami, FL
"Relay Home Loans made the impossible possible. We had a complex income situation, but they navigated it with ease. We are now happily living in our dream home!"
Michael D.
Fort Lauderdale, FL
"The best rate I could find, period. The process was smooth, transparent, and fast. Highly recommended for anyone looking to refinance."
Amanda L.
Boca Raton, FL
"As a first-time homebuyer, I was terrified. Relay Home Loans walked me through every step, explained everything clearly, and got me a great deal."
Frequently Asked Questions
Have questions? We're here to help you understand the mortgage process.
Yes, it is possible. Lenders offering foreign national loans use alternative methods to verify your identity and creditworthiness from your home country.