Foreign National Loan Refinance: Australian Financial Advisor Reduces Rate on U.S. Investment Property

David L., a 44-year-old financial advisor based in Sydney, Australia, had purchased a rental property in Scottsdale, Arizona two years earlier as his first U.S. real estate investment. He’d financed the property through a foreign national loan program at the prevailing rates at that time, which were higher than he would have preferred but necessary to gain entry into the U.S. real estate market without a Social Security Number or domestic credit history. The property performed well—generating positive monthly cash flow and appreciating steadily in Scottsdale’s strong market. David earned an excellent income advising high-net-worth clients on investment strategies, and he understood the power of refinancing to optimize his portfolio returns.

Now, two years later, interest rates had improved significantly, and David saw an opportunity to refinance his existing foreign national loan to capture more favorable current rates. The monthly savings would be substantial, improving his cash flow and increasing the overall return on his investment. This wasn’t just about reducing one payment; this was part of his broader strategy to build a portfolio of three to five U.S. rental properties that would provide currency diversification, passive income streams, and generational wealth for his family. But when he contacted traditional U.S. lenders about refinancing, he encountered the same obstacle that had complicated his original purchase—without a U.S. Social Security Number or domestic credit history, conventional lenders couldn’t process his refinance application.

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The Challenge: Why Traditional Lenders Wouldn’t Refinance a Performing Foreign National Loan

David contacted three major U.S. mortgage refinance companies and two banks, confident his excellent payment history and property performance would make approval straightforward. He’d never missed a single payment on his existing foreign national loan, the property had appreciated substantially since purchase, his rental income consistently covered all expenses with strong positive cash flow, and his financial position had only strengthened since the original purchase. Every lender gave the same response: they couldn’t process a refinance application without a U.S. Social Security Number and domestic credit history.

How Do Traditional U.S. Lenders Evaluate Refinance Applications from Foreign Nationals?

Traditional U.S. mortgage lenders require Social Security Numbers to pull credit reports through Equifax, Experian, and TransUnion. Even though David had maintained perfect payment history on his existing U.S. mortgage for two years, that payment history existed in his original lender’s internal records but wasn’t reported to U.S. credit bureaus in a way that created a FICO score accessible to other lenders. Without the ability to generate a credit score through standard channels, conventional refinance lenders’ automated underwriting systems simply couldn’t process his application.

“It was incredibly frustrating,” David explained. “I’ve paid every single mortgage payment on time for two years. The property has performed exactly as projected—actually better. My financial position is stronger now than when I originally purchased. I have substantial liquid assets and excellent credit in Australia. But because I don’t have a Social Security Number, their systems treated me like I had no financial history whatsoever. They couldn’t refinance a loan I was already successfully paying.”

Why Was David’s Perfect Two-Year Payment History Ignored?

The fundamental challenge was systemic incompatibility. U.S. conventional refinance lenders operate within standardized guidelines designed exclusively for domestic borrowers. Their processes require specific data points—Social Security Numbers, U.S. credit scores, domestic employment verification, U.S. tax returns—that foreign nationals simply don’t have. David’s Australian tax returns, international credit history, global investment portfolio, and even his flawless two-year U.S. mortgage payment record didn’t fit into these rigid parameters.

The irony wasn’t lost on David: he was a financial advisor who counseled clients on optimizing investment portfolios through strategies like refinancing to capture rate improvements. Yet despite his professional expertise and impeccable payment history, he couldn’t access the same straightforward refinancing options available to U.S. citizens simply because of documentation requirements unrelated to his actual creditworthiness.

What Investment Optimization Was David Unable to Execute?

The rate improvement opportunity was substantial. Current foreign national loan rates had decreased significantly compared to what David had secured two years earlier. Refinancing would reduce his monthly payment considerably, improving cash flow and increasing his overall return on the property. Over the remaining life of the loan, the savings would be significant—capital that could be redeployed into additional investments or used to accelerate his acquisition of properties number two and three in his planned U.S. portfolio.

Without access to foreign national loan refinancing, David faced disappointing alternatives: continue paying higher rates on his existing mortgage while missing the refinance opportunity, sell the property to escape the unfavorable rate (triggering taxes and losing a performing asset), or accept that he couldn’t optimize this investment the way a domestic investor could. None of these options aligned with his strategy for building long-term wealth through strategic real estate investing across multiple currencies and economies.

Experiencing similar rejection? Schedule a call to discuss alternative qualification methods.

The Discovery: Finding Foreign National Loan Refinance Solutions

How Did David Discover Foreign National Loan Refinance Programs?

David discovered foreign national loan refinance options through his network of Australian investors who owned U.S. real estate. During a conversation about cross-border investment strategies, another Sydney-based investor mentioned successfully refinancing multiple U.S. properties through specialized lenders who understood foreign national financing. The investor explained that these lenders evaluated refinance applications based on payment history, international credit reports, foreign income documentation, and property performance rather than requiring Social Security Numbers or U.S. credit scores.

Encouraged by this information, David researched foreign national loan refinance programs and scheduled a consultation with a loan advisor specializing in refinancing for international property owners. He prepared comprehensive documentation of his existing loan performance, current financial position, property rental history, and Australian credit profile.

What Makes Foreign National Loan Refinance Different from Traditional U.S. Refinancing?

During the consultation, the loan advisor explained how foreign national loan refinance programs work fundamentally differently from conventional U.S. refinancing. These specialized programs don’t require Social Security Numbers or U.S. credit bureau scores. Instead, foreign national lenders evaluate existing payment history on the current mortgage, verify international credit reports from the borrower’s home country, assess current property value and rental performance, and review foreign income documentation to ensure continued ability to service the refinanced loan.

The advisor reviewed David’s situation thoroughly: two years of perfect payment history on his existing foreign national loan, substantial appreciation in the Scottsdale property, consistent rental income generating positive cash flow, strong financial position documented through Australian tax returns and bank statements, and excellent credit history in Australia. The foreign national lender would refinance his existing mortgage at improved current rates, reducing his monthly payment significantly while maintaining all the same property and borrower protections as any standard refinance.

“That conversation was such a relief,” David said. “The advisor understood immediately that my payment history proved I was creditworthy, and my continued strong financial position demonstrated I could easily handle the refinanced loan—probably even better than when I originally purchased. This wasn’t just about reducing a payment; it was about accessing the same portfolio optimization tools available to domestic investors, allowing me to maximize returns on my U.S. real estate holdings and continue building wealth efficiently across multiple markets.”

The Solution: Foreign National Loan Refinance Approval Process

What Documentation Did David Provide for Foreign National Loan Refinance Approval?

David worked with his loan advisor to assemble the required documentation for a foreign national loan refinance application. The process focused on demonstrating his continued creditworthiness through international documentation and verifying the property’s performance.

Documentation provided:

• Valid Australian passport and proof of residency in Sydney
• Complete payment history on existing foreign national loan (24 months, all on-time)
• Australian credit report showing excellent payment history
• Business financial statements from his financial advisory practice
• Australian tax returns demonstrating strong professional income
• Personal and business bank statements showing substantial liquid assets
• Current lease agreement and rental payment documentation
• Property insurance records showing continuous coverage
• Property management company reports demonstrating tenant quality and rent collection
• Updated property tax records
• HOA documentation (community fees current)
• Recent property inspection report showing excellent condition
• Appropriate reserves demonstrating ongoing financial stability

How Long Does Foreign National Loan Refinance Approval Take?

The approval process:

1. Initial consultation – Discussed foreign national refinance options and rate improvement potential
2. Document collection – Gathered Australian financial documentation and U.S. property records
3. Payment history verification – Existing lender confirmed perfect 24-month payment record
4. International credit verification – Lender verified Australian credit report
5. Income verification – Reviewed business financials and Australian tax documentation
6. Property appraisal ordered – Independent appraisal to determine current market value
7. Appraisal completed – Property value confirmed substantial appreciation
8. Rental income analysis – Verified consistent rental payment history and market rates
9. Underwriting review – Foreign national lender evaluated complete refinance package
10. Rate lock – Secured favorable interest rate during processing
11. Conditional approval – Approved pending final documentation verification
12. Clear to close – Final approval issued
13. Refinance closing – Paid off existing mortgage and new loan funded

The foreign national lender evaluated David’s refinance application based on multiple factors demonstrating his creditworthiness and the investment’s quality: perfect two-year payment history proving reliability, strong Australian credit history demonstrating responsible financial management, substantial professional income showing ability to service the refinanced loan, significant property appreciation reducing loan-to-value ratio, and consistent rental income demonstrating the property’s investment quality. The refinanced loan maintained conservative loan-to-value ratio well below the property’s appreciated value.

Exploring refinance? Submit a refinance inquiry to compare your options.

The Results: David Achieves Substantial Monthly Savings Through Rate Reduction

What Results Did David Achieve with Foreign National Loan Refinance?

David completed his foreign national loan refinance within approximately eight weeks of submitting his initial application. The refinancing paid off his existing higher-rate foreign national loan and replaced it with a new loan at significantly improved rates, reducing his monthly payment substantially while maintaining the same long-term fixed-rate structure he preferred for stability.

Final loan outcome:

• Refinanced existing foreign national loan completely
• Achieved significantly more favorable interest rate
• Substantial reduction in monthly mortgage payment
• Favorable long-term fixed-rate structure maintained
• Conservative loan-to-value ratio reflecting property appreciation
• Timeline: Application to closing in approximately eight weeks
• Property: 2BR/2BA condo, Scottsdale, AZ
• Rental income continues covering all expenses with strong positive cash flow
• Monthly cash flow improved significantly through payment reduction

How Did Foreign National Loan Refinance Compare to Traditional U.S. Refinancing Options?

Traditional U.S. refinance lender qualification:

• Rejected due to lack of Social Security Number
• Rejected despite perfect 24-month payment history
• Could not process application through standard channels
• Rate optimization: BLOCKED ✗

Foreign national loan refinance qualification:

• Approved based on payment history and Australian financial documentation
• No U.S. credit score required
• SSN not required for processing
• Rate optimization: ACHIEVED ✓

What Financial Impact Did Rate Reduction Create for David’s Investment?

“Without the foreign national loan refinance program, I would have been stuck paying higher rates indefinitely despite the market improving and my payment history proving I was a reliable borrower,” David explained. “Now I’ve reduced my monthly payment substantially, which immediately improved my cash flow. Over the life of the loan, the savings are significant—capital I can reinvest into additional properties or other investments. More importantly, I proved that international investors can optimize U.S. real estate holdings just as effectively as domestic investors when you find lenders who understand cross-border financing.”

Refinance impact analysis:

• Significantly reduced monthly mortgage payment
• Dramatically improved monthly cash flow from rental property
• Substantial cumulative savings over loan life
• Property continues appreciating in strong Scottsdale market
• Rental rates continue increasing with market conditions
• Overall investment return significantly improved through rate optimization
• Positioned to leverage improved cash flow and accumulated equity for property #2

David views this successful refinance as validation of his cross-border investment strategy. The Scottsdale property now generates even stronger cash flow, continues building equity through both appreciation and tenant payments, and provides exactly the currency diversification and passive income he sought when he first entered the U.S. real estate market. He’s actively analyzing markets for property number two—likely in a different U.S. region to further diversify his portfolio geographically.

When David is ready to purchase property number two, he has multiple strategies available. He could use another Foreign National Loan for the purchase, or potentially leverage accumulated equity from the Scottsdale property through a HELOC or Home Equity Loan—allowing him to access capital for the down payment on property #2 without refinancing again and losing the excellent rate he just secured on this refinance.

Beyond the immediate financial benefits, David appreciates how this refinance experience deepened his understanding of foreign national financing options. As a financial advisor, he now counsels his Australian clients who are considering U.S. real estate investments with greater expertise, helping them understand not just acquisition strategies but also how to optimize their U.S. holdings over time through refinancing, equity access, and strategic portfolio management.

Ready to get started? Get approved or schedule a call to discuss your situation.

Exploring Other Foreign National Loan Options?

While David used a foreign national loan to refinance and reduce his rate, foreign national loan financing works for multiple scenarios:

• Ready to purchase? See how a Canadian architect used foreign national loan purchase to invest in Florida real estate
• Want to access equity? See how a UK business owner used foreign national cash-out refinance for expansion capital
• View all case studies to find success stories matching your situation

Key Takeaways for Foreign National Property Owners Considering Refinancing

• Foreign national loan refinance programs evaluate payment history and international credit rather than requiring U.S. credit scores—perfect payment history on existing U.S. mortgages demonstrates creditworthiness even without Social Security Numbers or domestic credit bureau reporting (Fannie Mae alternative credit documentation)
• Rate environment monitoring is essential for international investors—foreign nationals should track U.S. interest rate trends and refinance when significant rate reductions become available, just as domestic investors do to optimize portfolio returns
• Property appreciation strengthens refinance applications significantly—increased property values reduce loan-to-value ratios and demonstrate investment quality, making foreign national loan refinance applications more attractive to lenders
• Consistent rental income documentation supports refinancing—strong rental payment history and professional property management records prove the investment’s stability and income-generating capacity (HUD rental property performance standards)
• Think strategically about portfolio optimization across borders—successful international investors continuously evaluate opportunities to refinance for rate improvements, access equity for additional acquisitions, and optimize each property’s performance, then leverage tools like HELOCs or home equity loans to fund future purchases without disturbing favorable refinanced first mortgages

Have questions about refinancing your foreign national loan? Schedule a call with a loan advisor today.

Alternative Loan Programs for International Property Owners

If a foreign national loan refinance isn’t the perfect fit, consider these alternatives:

• Foreign National Loan Purchase – Acquire additional U.S. properties without refinancing existing holdings
• DSCR Loan – Refinance based on property cash flow without income verification
• Portfolio Loan – Refinance multiple properties efficiently
• HELOC – Access equity through revolving credit line without refinancing
• Home Equity Loan – Second lien for capital access while preserving first mortgage rate

Explore all loan programs to find your best option.

Helpful Foreign National Loan Refinance Resources

Learn more about this loan program:

• Complete Foreign National Loan Guide – Detailed requirements, rates, and qualification guidelines
• Foreign National Loan Calculator – Estimate your refinance savings

Similar success stories:

• How a Canadian architect used foreign national loan purchase to invest in Florida – First property acquisition
• UK business owner accessed equity with foreign national cash-out refinance – Equity access for expansion
• View all case studies – Browse by your journey stage

External authoritative resources:

• IRS foreign investment reporting requirements – Tax considerations for international property owners
• HUD rental property performance standards – Industry guidelines for investment property evaluation

Ready to get started?

• Apply online – Start your refinance application today
• Schedule a consultation – Discuss your refinance options
• Take the discovery quiz – Clarify your investment goals

Need local expertise? Get introduced to trusted partners including loan officers, property managers, and real estate attorneys in your area.

However, Claire had originated her US mortgage eight years earlier when foreign national loan rates were significantly higher than current market conditions. She’d maintained perfect payment history for eight years, built substantial equity through appreciation and mortgage paydown (current balance $390,000), and established herself as a reliable international investor. When she noticed that current foreign national loan rates had decreased meaningfully below her existing rate, Claire recognized an opportunity to optimize her largest US expense through rate-and-term refinancing—lowering her monthly payment, reducing interest costs, and improving her Florida property’s cash flow without accessing equity.

“I’ve been a diligent property owner for eight years with perfect payment history, and my Plantation home has appreciated substantially,” Claire explained. “When I saw that current rates were significantly lower than what I’m paying, the decision to refinance was straightforward financial optimization. Lower rates mean reduced monthly payments, thousands saved in interest costs over the remaining loan term, and improved cash flow from my rental property. This wasn’t complicated—just smart portfolio management capturing better terms when market conditions permitted.”

However, as an Australian citizen without US residency or Social Security number, Claire needed specialized refinancing. Traditional US lenders couldn’t process refinancing for foreign nationals, and Australian lenders don’t refinance US properties. Claire required a foreign national loan refinance—specialized rate-and-term refinancing designed for international property owners improving terms on existing US real estate holdings without accessing equity, using international documentation without requiring US citizenship or credit history.

Facing similar challenges? Schedule a call to explore your refinance options.

Why Was Foreign National Loan Refinancing Essential for Claire’s Portfolio Optimization?

Claire monitored mortgage rates regularly as part of her overall wealth management practice (she advises clients professionally on investment optimization, including real estate holdings). When she recognized that foreign national loan rates had dropped substantially below her existing rate, she understood the financial benefits of refinancing:

Rate-and-term refinance benefits:

• Lower monthly mortgage payment improving property cash flow
• Reduced interest costs over remaining loan term
• Improved debt service coverage ratio strengthening property fundamentals
• Optimized financing costs without changing equity position
• Enhanced long-term returns through reduced carrying costs

Foreign national loan refinance advantages:

• No US citizenship or Social Security number required
• No US credit history needed
• Accepts international financial documentation
• Evaluates established US payment history
• Designed for international property owners optimizing existing holdings
• Recognizes proven track record reduces refinance risk

“Foreign national loan refinancing enabled optimization without complications,” Claire said. “I’d proven myself a reliable borrower through eight years of perfect payments. My property generates strong rental income. I have substantial international assets and excellent Australian credit. The refinance simply updated my rate to current market levels—benefiting both me through lower costs and the lender through continued income from a proven borrower. This should be straightforward for experienced international investors with demonstrated track records.”

Claire appreciated that foreign national lenders understood international real estate portfolios. Foreign investors who maintain perfect payment records for many years, own appreciating properties in strong markets, and view US real estate as strategic long-term holdings represent excellent refinance candidates—typically lower risk than US borrowers constantly refinancing or defaulting.

The foreign national loan refinance would maintain her $390,000 balance (no cash-out), lower her monthly payment substantially, reduce long-term interest costs significantly, and improve her Plantation property’s operating performance. The improved cash flow would compound over years into meaningful wealth preservation while maintaining her strategic equity position.

Ready to optimize your US property financing? Schedule a call to discuss foreign national refinancing.

What Documentation Was Required for Claire’s Foreign National Loan Refinance?

Claire worked with her loan advisor specializing in foreign national financing to assemble documentation for rate-and-term refinancing on her Plantation property.

Documentation provided:

• Valid Australian passport
• Proof of Australian residency
• International bank statements showing substantial liquid assets
• Investment portfolio statements (Australian and international holdings)
• Australian business financial statements from wealth management practice
• Letter from Australian accountant verifying income and assets
• International credit report from Australian credit bureau
• Current mortgage statement for Plantation property ($390,000 balance)
• Eight years of perfect payment history on Plantation mortgage
• Rental lease agreement showing $3,400 monthly income
• Property management statements
• US bank account statements for mortgage payments
• Homeowners insurance documentation

Documentation NOT required:

• No US Social Security number
• No US credit history
• No US tax returns
• No US employment verification

The approval process:

1. Initial consultation (Day 1) – Discussed foreign national refinance and rate improvement
2. Application submission (Day 2) – Applied for rate-and-term refinance
3. Document submission (Days 3-5) – Uploaded international financial documentation
4. International verification (Days 6-10) – Verified Australian assets and business
5. Payment history review (Days 11-12) – Confirmed eight years perfect payments
6. Property appraisal ordered (Day 13) – Plantation property appraisal
7. Rental income verification (Days 14-15) – Confirmed lease and rental deposits
8. Appraisal completed (Day 19) – Plantation appraised at $630,000
9. Post-refinance cash flow analysis (Days 20-22) – Verified improved cash flow
10. Conditional approval (Day 23) – Approved pending minor documentation
11. Final approval (Day 28) – Clear to close
12. Closing (Day 33) – Funded foreign national loan refinance

The lender approved Claire’s foreign national loan refinance based on her impeccable eight-year payment history demonstrating exceptional reliability, substantial international assets and income from her wealth management practice, excellent Australian credit history, strong rental income from the Plantation property ($3,400 monthly easily covering the new payment), and property appraisal at $630,000 confirming strong equity position. Her proven track record as a responsible international property owner positioned her perfectly for refinancing approval.

“The approval process recognized what mattered most—my eight-year track record,” Claire explained. “I’d never missed a payment, never had issues, maintained the property excellently through professional management, and paid down the mortgage responsibly. That history demonstrated my creditworthiness far more effectively than re-documenting every detail of my international finances. The lender verified my Australian assets, confirmed my continued income capacity, and approved the refinance efficiently. That’s intelligent underwriting for experienced international investors with proven track records.”

The entire process took 33 days from application to closing. Claire’s property management company coordinated property access for the appraisal, and the refinance closed smoothly without complications.

Ready to refinance your US property? Submit a refinance inquiry to explore foreign national loan refinance options.

What Were the Final Results of Claire’s Foreign National Loan Refinance?

Claire successfully closed on her foreign national loan refinance, securing improved mortgage terms that immediately reduced her monthly payment and enhanced her Plantation property’s cash flow and long-term performance.

Final foreign national loan refinance details:

• Plantation property value: $630,000 (appraised)
• New loan amount: $390,000 (rate-and-term, no cash-out)
• Previous loan balance: $390,000 (same balance, better rate)
• Competitive foreign national rates –Try this  Foreign national loan-refinancecalculator to explore scenarios
• Substantial monthly payment reduction improving cash flow
• Rental income: $3,400/month (maintained)
• Improved debt service coverage strengthening property fundamentals
• Application to closing: 33 days
• Property type: 3BR/2BA single-family home, Plantation, Fort Lauderdale, FL

Financial optimization results:

• Monthly payment reduction: Significant savings improving cash flow immediately
• Long-term interest savings: Thousands preserved over remaining loan term
• Improved cash flow: Hundreds additional monthly after reduced payment
• Enhanced DSCR: Better debt service coverage ratio
• Equity position maintained: No cash-out, full equity preservation
• Strategic outcome: Optimized financing without changing investment thesis

Claire’s refinanced mortgage delivered substantial monthly payment reduction starting immediately—meaningful cash flow improvement that enhanced her Australian dollar returns when rental income converted to AUD. The property continued generating $3,400 monthly rent while carrying lower mortgage costs, producing significantly improved net operating income.

“The foreign national loan refinance optimized my largest US expense through one straightforward transaction,” Claire explained. “My monthly payment decreased by hundreds of dollars—money that now stays with me rather than going to interest costs. Over the remaining loan term, I’ll save thousands in reduced interest while maintaining my full equity position. The improved cash flow means better returns on my US investment when rental income converts to Australian dollars. This is smart portfolio management—capturing better terms when markets provide opportunities, optimizing expenses, and letting those improvements compound over years into substantial wealth preservation.”

Claire views this refinance as disciplined wealth management during her pre-retirement years. The lower monthly obligation reduces her largest US expense, improves her property’s operating performance, and positions her US holdings for continued strong returns. The thousands saved in interest costs over the remaining term represent real wealth preservation that compounds when considering currency conversion to Australian dollars and opportunity cost of capital.

“What matters most is making intelligent financial decisions when opportunities arise,” Claire added. “I’d proven myself a reliable borrower for eight years. The property performs well. Rates dropped meaningfully below my existing mortgage. Refinancing was obvious portfolio optimization. The foreign national loan refinance program made it accessible for international investors like me who don’t have US citizenship or Social Security numbers but have demonstrated we’re excellent credit risks through years of perfect payments and responsible property management. These monthly savings compound over time into meaningful wealth preservation—exactly what smart investors should pursue when market conditions permit optimization.”

When Claire is ready to expand her US portfolio, she may use foreign national loans for additional purchases, leverage equity through a foreign national loan cash-out refinance if desired, or potentially explore DSCR financing as her US tax filing history strengthens qualification options.

Ready to optimize your US property financing? Get approved or schedule a call to discuss foreign national loan refinancing.

Exploring Other Foreign National Loan Options?

While Claire used a foreign national loan refinance for rate improvement, foreign national financing works for multiple scenarios:

• Need to purchase your first US property? See how a Canadian investor used a foreign national loan to buy Florida investment
• Want to access equity for expansion? See how a UK investor used foreign national cash-out refinancing for portfolio growth

View all case studies to find success stories matching your strategy.

What Can International Property Owners Learn from This Refinance Success?

• Foreign national loan refinancing captures rate reductions for international property owners—Claire improved terms without US citizenship or Social Security number
• Perfect long-term payment history demonstrates creditworthiness powerfully—eight years of flawless payments proved Claire’s reliability
• Rate-and-term refinancing optimizes portfolio performance when market rates drop—lowering financing costs strengthens returns and preserves wealth
• Established international investors with proven track records receive favorable consideration—Claire’s demonstrated responsibility positioned her well
• Rental income must continue covering debt service after refinancing—$3,400 monthly rent easily supported new payment
• International credit history and substantial assets remain important qualification factors—Australian financial strength supplemented US property performance

Have questions about foreign national loan refinancing? Schedule a call with a loan advisor today.

Alternative Loan Programs for International Property Owners

If a foreign national loan refinance isn’t the perfect fit, consider these alternatives:

• Foreign National Loan – Purchase financing for acquiring US properties
• Foreign National Cash-Out Refinance – Accessing equity for portfolio expansion
• DSCR Loan – For foreign nationals with established US tax history
• Portfolio Loan – Managing multiple investment properties efficiently
• Asset-Based Loan – High-net-worth qualification based on portfolios
• Bridge Loan – Short-term financing for transitions

Explore all loan programs to find your best option.

Want to assess your wealth-building strategy? Take our discovery quiz to clarify your US investment goals.

Helpful Foreign National Loan Refinance Resources

Learn more about this program:

• Complete Foreign National Loan Guide – Refinance requirements and rate optimization
• Foreign National Refinance Calculator – Estimate payment savings

Similar success stories:

• Canadian’s foreign national purchase – First US property acquisition
• UK investor’s cash-out refinance – Equity leverage strategy
• Browse all case studies by investment strategy

External authoritative resources:

• IRS Foreign Person Withholding – Tax considerations
• US Treasury FIRPTA – Foreign investment rules
• NAR International Real Estate – International investing resources
• Australia-US Tax Treaty – Cross-border tax considerations

Ready to take action?

• Apply online – Start your refinance application
• Schedule consultation – Discuss rate optimization strategy
• Take discovery quiz – Clarify US portfolio goals

Need local expertise? Get introduced to partners including international real estate specialists and property managers.