WFC Lending
Foreign National Loans
U.S. real-estate financing for non-resident investors — no U.S. credit history required.
Asset-based loans for foreign-national borrowers investing in U.S. real estate, with no U.S. credit history required.
How foreign national financing works
Apply
Share the deal — we underwrite on the strength of the U.S. real estate asset, not a U.S. credit file.
Close & Fund
Asset-based approval with no U.S. credit history required. Once underwriting clears, we close and fund — typically in 15–30 days.
Own & Manage
Hold, refinance, or exit your U.S. investment property on your timeline.
Program highlights
- 1st lien position only
- Interest-only payments
- Asset-based "common-sense" underwriting
- $75K – $10M loan size
- 6–36 months terms
- Closings in 15–30 days
Eligible property types
Foreign national loan FAQs
What documentation do foreign national borrowers need?
A valid passport and a valid U.S. visa — unless you're traveling under the Visa Waiver Program, in which case a visa isn't required. Travel and student visas are not accepted. If the loan is guaranteed on a personal-guaranty-only basis rather than through a qualifying U.S. entity, a U.S. FICO score is also required.
Do I need U.S. credit history to qualify?
No — we underwrite on the strength of the U.S. real estate asset, not a U.S. credit file. A U.S. FICO score only comes into play if the loan is guaranteed on a personal-guaranty-only (PG-only) basis rather than through a qualifying entity structure.
What loan amounts do you offer?
Foreign national loans range from $75K – $10M.
What property types do you finance?
Single-family (1–4 units), multifamily (5+ units), mixed-use, retail, office, hospitality, self-storage, senior housing, marinas, parking, and automotive properties.
What fees should I expect?
Where stated, fees include origination (1.00%–2.75%), a $750 loan package fee, appraisal ($450–$550), inspection ($300–$350), and on commercial deals a $1,495–$1,995 underwriting fee plus $1,495 legal. Exact fees are confirmed in your term sheet.
Do you work with mortgage brokers?
Yes. We have a dedicated broker program with a broker portal. Visit our Brokers page to learn more and access the portal.
How do I apply?
Start with our quick application, which hands off to our secure lender portal. You can also call us at our main line during business hours — we generally respond in 1–3 hours.
Typical fees
Fees shown where stated. Rates, fees, terms, and timelines are subject to change without notice.
Ready to finance your U.S. investment as a foreign national?
Generally, we respond in 1–3 hours.