Most brokers spend their time chasing the same type of borrower. Domestic clients with tax returns, Social Security numbers, and U.S. credit history. But there is a growing segment of buyers that many brokers overlook: international investors. These clients are actively seeking property in the United States, yet many assume their only option is to pay cash.

That gap creates an opportunity. By offering a Foreign National loan, you can step into a niche where competition is limited, demand is strong, and loan sizes are often larger.

So what is a Foreign National loan, and how can it help you build your business?

What Is a Foreign National Loan?

A Foreign National loan is a mortgage designed for non-U.S. citizens who want to buy real estate in the United States. Traditional funding is out of reach for these clients because they cannot provide U.S. tax returns, Social Security numbers, or domestic credit reports. A Foreign National loan solves that problem by allowing alternative forms of qualification. This flexibility is what makes these loans so valuable for both the client and the broker.

When you can answer the question “what is a Foreign National loan” with confidence, you immediately stand out as an expert who can guide buyers through a process that most assume is impossible.

Why Brokers Should Pay Attention To Foreign National Loans

The global appetite for U.S. real estate continues to grow. Buyers from countries such as Canada, China, Mexico, and India see American properties as stable, long-term investments. Many are purchasing second homes or diversifying their portfolios with rental properties in major metros and vacation markets.

If you are not offering Foreign National loans, you are missing out on a high-demand segment.

By adding this program to your toolbox, you can:

• Capture clients who would otherwise walk away or pay cash
• Build trust with buyers who are navigating an unfamiliar market
• Earn referrals from those who work with international clients
• Position yourself as a specialist in a segment few brokers focus on

Offering Foreign National loans is not only about closing a deal today. It is about building a reputation as the broker who can deliver solutions where others fall short.

Preparing Clients for the Foreign National Loan Process

When you first bring up a Foreign National loan, international buyers may be uncertain about what it involves. As a broker, your role is to set the stage early so there are no surprises.

That means:

• Explaining that Foreign National loans are designed for second homes and investment properties, not primary residences
• Letting clients know that a meaningful down payment will be part of the transaction
• Preparing them to provide proper documentation (bank statements, CPA or employer letters, or a foreign credit report, etc.)
• Helping them understand that eligibility may vary depending on their visa status or investment structure

By walking through these points upfront, you build trust and position yourself as the broker who knows how to traverse the loan process efficiently. Once clients feel prepared, you can then introduce the advantages of LendSure’s program and how it makes financing more actionable.

Marketing Strategies for Brokers

Foreign National loans are not just another program to offer; they should be seen as a business development tool.

Educate real estate agents who work with global buyers. Many do not know that financing is even available. A short presentation or quick reference guide can make you their go-to resource.

Promote your knowledge online. A blog, newsletter, or LinkedIn post that answers “what is a Foreign National loan” builds authority and drives inbound leads.

Target cash-heavy markets. States like Florida, California, and Texas see consistent foreign investment. Positioning yourself as a financing expert in those areas helps you connect with the right audience.

Leverage success stories. Share examples where you helped a client finance instead of paying cash, allowing them to purchase more property. Success stories resonate with both clients and referral partners.

Turning Challenges into Closed Deals

International buyers often walk away from financing because they are unsure how to qualify. They worry about visas, lack of tax returns, or credit history. Without the right broker, those concerns stop the deal before it starts.

By guiding them through the Foreign National loan process, you turn challenges into approvals. You provide access to financing, build trust, and create a pathway for repeat business as investors expand their U.S. portfolios.

Why Partner with LendSure

At LendSure, our goal is to give you the tools and support to serve international buyers without unnecessary delays.

Program highlights include:

• Loan amounts up to $2,000,000
• Cash out up to 500,000
• Available for 1-4 unit properties
• Up to 75% LTV for purchases, 70% for R/T refis and 65% for cash out refis
• DSCR qualification available
• No U.S. tax returns required
• CPA and employer letters accepted
• Foreign credit reports allowed
• Wide visa eligibility

We offer competitive rates, commonsense underwriting, and unsurpassed funding times. You do not have to navigate the complexities alone. With our team behind you, you can close foreign national loans with confidence.

The LendSure Way

It’s simple. We make loans that make sense. We’re not in-the-box lenders. Of course, there are numbers ratios, and data to consider, but we know that behind every file, there’s an individual with a unique circumstance seeking a loan. We work hard to offer our common-sense take on lending to borrowers seeking funding for the home of their dreams, another addition to their investment property portfolio, or refinancing of a currently-owned property.

Are you ready to benefit from a commonsense approach to lending? Contact us today to learn more about non-QM loans and how partnering with LendSure Mortgage Corp. can help grow your bottom line.