Foreign National Loans

Smart Families Trust Zeus™

Are you a foreign national living in Texas and looking to buy a home? Zeus Lending is the place to turn for foreign national loans. We would love to help you buy the home you have your eye on.

What Are Foreign National Loans?

A foreign national loan is a loan meant for a citizen of another country living in the United States. The funds secured can either purchase an investment property or living space while staying in the U.S. You typically do not need a Social Security number, green card, or visa to apply for a foreign national loan. You also do not need an established credit score as typical applicants do. The only documentation typically required to secure foreign national loans is the following:

  • Proof of income
  • Visa or visa waiver (B-1, B-2, H-2, H-3, I, J-1, J-2, 0-2, P-1, P-2, TN NAFTA, & Laser Visa valid)
  • Proof of creditworthiness

If you are a foreign national who lacks the necessary credit and Social Security number or Individual Tax Identification Number to apply for a typical mortgage in the United States, you will need to show documentation of three active and open trade lines, each with at least two years of history.

One other important thing to note here: having permanent residency status versus nonpermanent status can make a difference to foreign national mortgage lenders. Furthermore, if you do not have a FICO credit score and have negative marks on your credit, you will not be eligible for a foreign national loan. You are also ineligible for this type of loan if your country of origin is an OFAC-sanctioned country.

The Foreign National Mortgage Loan Application Process

You can apply for a foreign national loan in 10 steps:

  1. Initial Consultation – One of Zeus Lending’s Loan Specialists will contact you, evaluate your situation, and determine the best option.
  2. Physical Application – Fill out our Super-Simple Application™ in less than 3 minutes.
  3. Lock in an Interest Rate – This will be spelled out regarding the loan.
  4. Disclosures – All required legal disclosures will be given to you via email or postal mail.
  5. Supporting Documents – We will let you know what is needed and give you time to provide it.
  6. Processing – This is the “weeds” stage where most of the underwriting is done. We’ll work hard on your loan while you sit back. You will be notified as soon as possible if any additional documentation is needed.
  7. Appraisal & Inspection – If you’d like, we can help you find reputable appraisers and inspectors in the Houston area to ensure your new home is worth the investment.
  8. Loan Approval – Your loan is approved, and you can officially purchase your home!
  9. Final Signing – This will be in the presence of a public notary and only after you have fully read and understand the loan documents.
  10. Loan Recording – Loan refinances require a 3-day waiting period before being funded, while loans used to purchase a property do not.

Zeus Foreign National Loan Advantages:

  • Our foreign national program is an alternative documentation program with realistic guidelines to help more borrowers qualify for home ownership

Can a Non-U.S. Citizen Get a Mortgage Loan?

The short answer is yes, they can! Applying for foreign national loans from Zeus Lending makes it possible for non-U.S. citizens to secure the funding they need to purchase the home they’ve always dreamed of. We are the foreign national mortgage lenders of choice in Texas.

100% Satisfaction–Our Extreme Guarantee

The Super-Simple Application™ takes fewer than 3 minutes to complete. A knowledgeable Loan Specialist will contact you right away, help you with any questions, and assist you in making the best choice. There’s no obligation on your part. The only obligation is our obligation to ensure you are 100% satisfied with our service

Zeus Mortgage Loans Are The Right Solution

Our Loan Specialists at will help you evaluate all your choices. We’re experts at finding you the best options and values.

Customers also viewed:



Documents Needed For All Loans:

  • A copy of your current Drivers License and Social Security Card
  • Most recent 30 days worth of pay stubs
  • Most recent 60 days worth of bank statements. (If using retirement funds, please provide terms and conditions of withdrawal)
  • Most recent 2 years W-2’s (please provide signed and dated Year-To-Date Profit and Loss statements if self-employed)
  • Most recent 2 years IRS tax returns (both personal and business, all pages, all schedules please)



Additional Documents if Purchasing a Home:

  • Copy of the fully executed purchase contract (signed by all parties)
  • A copy of the cleared earnest money check or money order
  • Copy of your option money check
  • Homeowner’s Insurance Company contact information