U.S. real estate financing for foreign nationals, foreign investors, and ITIN borrowers. Select programs are available with no U.S. credit history required — find the opportunity, analyze the numbers, structure the financing.
Vortex works with multiple wholesale lending sources to structure financing for international buyers and ITIN borrowers. Program availability and terms vary by lender, borrower, and property — all figures below reflect select qualifying programs, not a single product.
DSCR-based qualification for foreign nationals purchasing U.S. investment property, using property cash flow rather than U.S. income documentation.
Select ProgramsFinancing for qualifying borrowers using an Individual Taxpayer Identification Number in place of a Social Security Number.
Qualifying BorrowersSelect programs do not require U.S. credit history. Passport, visa, and alternative documentation may be considered on qualifying scenarios.
Select ProgramsFixed-rate structures for qualifying foreign national and ITIN borrowers, with interest-only and adjustable options available on select programs.
Select ProgramsResidential, multifamily, mixed-use, and commercial properties available on qualifying programs, subject to underwriting.
Subject to UnderwritingPurchase, rate-term refinance, and cash-out refinance for qualifying foreign national and international investors.
Qualifying ProgramsFinancing a U.S. property from abroad involves more moving parts. We coordinate the documentation, structure, and closing logistics so qualifying international buyers can move with confidence.
Tell us about your scenario. Our team reviews foreign national and ITIN inquiries within one business day.
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Submit your foreign national or ITIN scenario today. Our team reviews it and comes back with real financing options.