NMLSID: 392417
Company: NMLS # 995506
Corporate Address:4801 Woodway Drive Suite 300 E
Houston, TX 77056
Charles Munoz
NMLS# 785783
7450 Campus Drive, Colorado Springs, CO, 80920
Phone: (719-301-3009)
Foreign National Loans for International Real Estate Buyers
Purchasing property in the United States is possible even if you are not a U.S. citizen or permanent resident. Koi offers Foreign National Loan solutions designed to help international buyers finance residential and investment properties with personalized guidance and a streamlined lending experience.
No matter where you are in your homeownership journey, there’s a loan program built for your goals. Traditional buyers can choose between a 30-year fixed mortgage for lower monthly payments, a 15-year fixed mortgage to pay off their home faster, or an adjustable-rate mortgage with a lower initial rate. Popular financing options include conventional loans for well-qualified buyers, FHA loans with flexible credit requirements, VA loans for veterans and service members, and USDA loans for homes in eligible rural areas — and if upfront costs are a hurdle, down payment assistance can help bridge the gap. Buying a fixer-upper? 203k renovation loans let you roll repair costs into your mortgage. Self-employed borrowers can qualify with bank statement loans, investors can leverage DSCR loans based on rental income, and non-U.S. citizens can purchase property with foreign national loans. For higher-priced properties, jumbo loans offer financing beyond conforming limits. Homeowners looking to tap into their equity can explore HELOCs, simplify their finances with all-in-one loans that combine banking and mortgage into one account, or — if aged 62 or older — access their home’s value through a reverse mortgage.
Financing Opportunities for Global Buyers
Foreign National Loans are designed for non-U.S. citizens who wish to purchase property in the United States without traditional residency or citizenship requirements. These specialized mortgage programs consider alternative forms of income verification, financial documentation, and credit evaluation, allowing qualified international borrowers to access financing that supports their real estate goals. Koi understands that every international borrower has unique financial circumstances and documentation requirements. By taking the time to review your individual situation, explain available loan options, and guide you through each step of the process, Koi helps simplify what can often seem like a complex international transaction.
Customized Lending Solutions for International Investors
Whether you’re purchasing a vacation home, a second residence, or an investment property, Foreign National Loans provide flexible financing options designed to accommodate a wide range of international buyers. These loan programs are structured to support borrowers who have established financial strength outside the United States while providing access to competitive mortgage solutions. Koi works diligently to ensure every client understands the lending process, required documentation, and available financing strategies before moving forward. This personalized approach helps borrowers make informed decisions while reducing uncertainty throughout the mortgage journey from application to closing.
Benefits of Foreign National Loans
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Access specialized financing solutions designed for qualified international borrowers purchasing residential or investment properties within the United States with flexible documentation requirements.
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Benefit from mortgage programs that consider alternative income verification and financial qualifications while providing competitive lending options for eligible foreign nationals.
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Finance vacation homes, second homes, or investment properties with customized loan solutions tailored to your unique financial profile and real estate objectives
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Receive personalized guidance from Koi throughout every stage of the lending process, ensuring professional communication, reliable support, and a smooth closing experience.
Professional Guidance Throughout the Lending Process
International real estate financing requires experience, attention to detail, and clear communication. Koi is committed to making the lending process as smooth and efficient as possible by providing responsive service, honest guidance, and ongoing support from your initial consultation through final loan approval. With access to specialized mortgage programs and a commitment to exceptional customer service, Koi helps international borrowers confidently invest in U.S. real estate. Every financing solution is tailored to support your property goals while delivering a professional and transparent mortgage experience.
Why Choose Koi for Your Home Financing Needs?
We are known for
Personalized Mortgage Solutions
Diverse Loan Program Options
Transparent Communication
Dedicated Customer Service
Why Choose Koi for Your Home Financing Needs?
We are known for
Personalized Mortgage Solutions
Diverse Loan Program Options
Transparent Communication
Dedicated Customer Service
Let's Take the Next Step Toward Your Homeownership Goals
No matter which mortgage solution best fits your needs, Koi is committed to helping you navigate the lending process with confidence and clarity. From your initial consultation to the day you close on your loan, you’ll receive personalized guidance, honest communication, and financing recommendations tailored to your unique financial goals. Contact Koi today to discuss your options and discover a mortgage solution designed to help you achieve lasting homeownership success.
