Full Documentation Loan

“Broaden your horizons with global income inclusion”

Our Full Documentation Loan considers your comprehensive financial profile, utilizing both your foreign income and debts. Qualification is based on a combination of your income and credit from your home country, supported by international credit reports or alternatives such as bank reference letters and accountant certifications. 

Excellent 1,066 reviews on
No US Credit history Required
No Green Card Required
No Visa Required
No US Income Required

Program Features 

Program Features 

Down payment: 20%-25%
Credit Score: No US Credit Needed
DTI (Debt-to-Income) Ratio: Max 43%
Income Documents: Foreign income and asset documents
Loan Tenure: Up to 30 Years
Cash Reserves: 6 months
Other Documents: International Credit Report or alternative proof of creditworthiness from home country
Approval: Under 30 days

Get a Full Doc. Loan in 5 Quick Steps 

1

Contact Our Loan Officers

2

Pre-Approval

3

Submit Application

4

Loan Approval

5

Closing

Get Started

Why HomeAbroad Loans?

Investor Focused 

HomeAbroad Loans specializes in serving both domestic and international investors, providing tailored solutions that cater to the unique needs of a diverse clientele. 

Fast Approvals 

Our advanced technology platform streamlines the loan application process, allowing for faster approvals in under 30 days. 

AI-Enabled Platform

Our AI-powered platform allows investors to search for properties, connect with international real estate experts, and qualify for mortgages without a US credit history—all in one place. 

Hear How We Turned Dreams into Reality 

Excellent5 stars review
Image 1
Definitely Recommended
The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process.
Chris Envall
Trustpilot Review
Image 1
Definitely Recommended
The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process.
Chris Envall
Trustpilot Review
Image 1
Definitely Recommended
The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process.
Chris Envall
Trustpilot Review
Image 1
Definitely Recommended
The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process.
Chris Envall
Trustpilot Review
Image 1
Definitely Recommended
The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process.
Chris Envall
Trustpilot Review
Image 1
Definitely Recommended
The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process.
Chris Envall
Trustpilot Review
Image 1
Definitely Recommended
The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process.
Chris Envall
Trustpilot Review
Image 1
Definitely Recommended
The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process.
Chris Envall
Trustpilot Review

Ready to Join Our Happy Family of Satisfied Clients?

Contact Us Now to Get Started

FAQs

Didn’t find what you were looking for? Explore our foreign national mortgage resource library.

Mortgage Guides
What is the Full Documentation Loan program?

The Full Documentation Loan program is tailored specifically for foreign investors without a US credit history. It considers your entire financial profile, including income and credit history from your home country, allowing you to qualify for a US mortgage without US credit history and income.

What alternative proofs of creditworthiness does HomeAbroad accept?

Our mortgage program accepts alternative proofs of creditworthiness, such as timely payments on tradelines from your home country, including credit cards. Supported credit reports from your home country can also be used to verify your credit history.

Do I need a visa to get a Full Documentation Loan?

Investors from visa waiver countries do not need a visa to get this loan. For others, a visa is preferred but not mandatory, as all foreign investors can close on their property without visiting the United States.

Stay Informed with HomeAbroad…

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What are you waiting for?

Begin your US real estate investment journey with HomeAbroad—we offer everything you need to succeed.

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