Can I Buy a Home as a Non-U.S. Citizen?

You do not need to be a U.S. citizen to buy a house in the United States. Foreign buyers fall into two main categories:

Resident aliens

These include individuals with a green card or lawful permanent resident status. They are treated similarly to U.S. citizens in most homebuying and mortgage loan situations, including access to conventional loans.

Non-resident aliens

These are individuals without permanent residency status, such as those on work visas, student visas, or no U.S. visa at all. While more documentation is required, non-resident aliens can still buy property, but they may face additional hurdles in financing and taxes.

Before you can close on a property in the U.S., it’s important to gather the right documentation and understand the financial requirements that lenders and sellers expect from non-citizen buyers.

Documentation requirements

To apply for a mortgage loan, you will typically need:

• A valid passport or government-issued photo ID
• Proof of lawful U.S. entry (visa, I-94, etc.)
• Social Security number or Individual Taxpayer Identification Number (ITIN)
• Two years of employment history (or proof of income abroad)
• Bank statements and asset verification
• U.S. credit report, if available

If you don’t have a traditional U.S. credit history, lenders may look at alternative credit data or foreign credit reports.

Securing a mortgage loan as a non-citizen depends heavily on your resident status. Here’s what to expect:

For green card holders and visa holders

You may qualify for standard conventional loans, FHA loans or VA loans (if applicable). You’ll need to meet the same criteria as U.S. citizens: credit, income and down payment requirements.

For non-resident foreign nationals

Traditional mortgage options may be limited, but Non-Qualified Mortgage (Non-QM) loan products can help bridge the gap. These loans often:

• Accept foreign income and foreign asset documentation
• Don’t require a U.S. credit report
• Offer more flexible underwriting
• Allow for investment or vacation home purchases

Non-QM loans often require a larger down payment (20–30%) and come with higher mortgage interest rates, but they provide an accessible path to homeownership for many foreign buyers.

While a Social Security number is often required for traditional loans, many lenders accept an ITIN for tax reporting purposes. An ITIN is available to those who are not eligible for a Social Security number but need to file U.S. taxes.

What about credit history?

U.S. lenders rely on a credit report to assess your financial reliability. If you don’t have a U.S. credit history, you can:

• Provide international credit references
• Use alternative credit data (such as rent, utility or phone bills)
• Consider lenders that offer Non-QM loans without strict credit requirements

Working with a mortgage lender experienced in foreign national loans will help you determine the best approach.

Owning a home in the U.S. comes with financial responsibilities beyond the mortgage, and understanding these costs upfront can help you budget wisely and avoid surprises.

Property taxes

All homeowners, regardless of citizenship, must pay property taxes in the city or county where their property is located. Rates vary by location and are typically due annually or semi-annually.

Other costs

Beyond your mortgage, you’ll need to budget for:

• Homeowners insurance
• Home maintenance and repairs
• HOA dues (if applicable)
• U.S. tax obligations (especially if you sell the home later)

Non-resident buyers should consult a tax professional familiar with foreign ownership laws in the U.S.

Navigating the U.S. homebuying process as a non-citizen can be easier with the right support, preparation and strategy.

Work with a real estate agent

Find a real estate agent who has experience working with international buyers. They can guide you through the process, help you find properties that match your goals and explain local regulations.

Get pre-approved

Getting pre-approved for a mortgage shows sellers you’re serious and ready to move forward. Even if you plan to pay in cash, having proof of funds on hand is essential.

Consider your goals

Are you buying a primary residence, an investment property or a vacation home? Your answer will shape your financing options, tax responsibilities and long-term plans.

Yes, a citizen can buy a home — or rather, you don’t need to be one to do so. Buying a home in the United States as a non-citizen is completely possible, whether you’re pursuing residency or investing from abroad. The key is understanding your resident status, assembling the right documents and exploring your mortgage loan options, including flexible Non-QM loan solutions.

At CrossCountry Mortgage, we work with buyers from all over the world. Whether you have a green card, work visa or no U.S. credit history, our team can help you navigate the journey to owning a home in the United States. Reach out today to learn what’s possible for you.