Foreign National Home Loans

A foreign national is a person who is not a citizen of the United States and/or does not permanently reside in the U.S. 

25% down payment. 6-12 months of the payment amount must be in your bank as close of escrow as reserves.

Here’s what we need to do a Pre-Approval:


A letter (on company letterhead) from a professional based in the borrower’s country of residence – Accountant/CPA/Financial Institution Officer/ Licensed Financial Advisor verifying: The nature of the business, income figures for the last 2 years, and a year-to-date income figure.

Validation of the existence of the business must include: Internet Web page address, or business and/or operator license from a governmental office

Wage Earners:

A letter on company letterhead from an authorized representative the employer stating employment history (position/title, time on job), current monthly salary and year-to-date earnings.

A valid pay stub/ pay ledger or financial institution deposit/ transaction record that supports the employment

Eligible properties for Foreign National financing include:

  • Single Family (Detached, Semi Detached, Attached)
  • PUD (Detached, Attached)
  • Condominium- Warrantable
  • Condominium- Non-Warrantable, including Condotels.

Must have a valid Passport and Visa to enter the U.S.

Borrowers who are residents of countries which participate in the State Departments Visa Waiver Program will not be required to provide a valid visa.

Must have a copy of their last 4 months bank statements. Statements must be translated into English language and must be shown in U.S. currency.

If no foreign credit report is available, the following is required:

2 credit reference letters written in English

Can include non-traditional credit sources, i.e. utility company

bank reference letter written in English

Title can vested in borrower(s) name, including LLC with personal guarantee.

Funds required for down payment and closing costs must be held in a U.S. bank

Cash-Out and Debt Consolidation not permitted

For Rate/Term Refinances, existing loan must be with a U.S. financial institution

Limited Power of Attorney (POA) is acceptable for executing closing documents

Business accounts are eligible for reserves, and reserves can remain at a financial institution in borrower’s home country

702-326-7469 – talk/text           Email: 

dan flag color

Dan Sherbondy
Senior Loan Officer
All Western Mortgage
(established in 1981)
“Dan The Loan Man”
702-326-7469 talk/text every day

Equal Housing Opportunity

Dan’s Licensing: NV MLD 45649, CA-DBO313289, CO-100516554  NMLS 313289
All Western Mortgage, 8345 W Sunset Rd Ste 380. Las Vegas, NV 89113
702-326-7469- TALK OR TEXT | | 702.369.0905 – Switchboard (Ask for Dan)

Company NMLS# 14210, NV Division of Mortgage Lending Lic# 204, Arizona Lic# 0923280, Licensed by the CA Dept of Corporations Lic# 603F053, CA Dept of Real Estate Lic# 01893025, CO Division of Real Estate, Florida Lic# MLD895, NM Financial Institutions Division Lic# 03619, UT Division of Real Estate Lic# 7776975,
OR Dept of Consumer & Business Services Lic# ML-4924, TX Dept of Savings and Mortgage Lending – Consumer Notice, WA State Dept of Financial Institutions Lic# CL-14210.