FOREIGN NATIONAL ASSET UTILIZATION

Full-documentation financing solutions designed for international borrowers

Loan Programs

Foreign National Asset Utilization

A flexible financing solution designed to help eligible foreign national borrowers qualify using asset-based documentation.

Program Overview

The Foreign National Asset Utilization program is designed for eligible foreign national borrowers who may qualify using verified assets instead of traditional income documentation. This program provides a flexible lending option for qualified clients purchasing property in the United States.

Program Features

↗

Designed for eligible foreign national borrowers.

↗

Allows qualifying assets to support the loan qualification strategy.

↗

Provides an alternative path for borrowers who may not use traditional U.S. income documentation.

↗

Can support qualified foreign national property purchase scenarios.

↗

A practical option for clients with strong verified assets.

↗

Built for unique borrower profiles that need flexible documentation options.

Why Choose This Program?

↗

A strong solution for foreign national borrowers with significant verified assets.

↗

Helps borrowers who may not fit traditional income documentation requirements.

↗

Creates a flexible path for qualified international clients purchasing U.S. property.

↗

Can help loan officers structure complex foreign national scenarios.

↗

Supports borrowers whose financial strength is best shown through assets.

↗

Gives clients another financing path when traditional options are limited.

Who This Program Is Great For?

↗

Eligible foreign national borrowers purchasing property in the U.S.

↗

Borrowers with strong verified assets available for qualification.

↗

Clients who need an alternative to traditional income documentation.

↗

International buyers looking for flexible U.S. property financing.

↗

Borrowers whose financial profile is better supported by assets.

↗

Clients who want guidance on structuring a foreign national loan scenario.

Download Loan Program

Preview the loan program sheet and download the full program details instantly.

Co-Brand Loan Program

Access the co-branded version to share this program with your clients and referral partners.

Need Help Structuring a Foreign National Asset Utilization Loan?

Connect with a loan officer to review your scenario and get clear guidance on the best next step.

Connect To A Loan Officer

Foreign National Asset Utilization at a Glance

Quick answer: This program lets foreign nationals qualify using liquid assets instead of U.S. credit or traditional income documents. No U.S. credit score is required, and LTV of roughly 75–80% may be available, subject to underwriting and investor guidelines. Last reviewed: November 2026.

Assets
Qualify on liquid assets
None
U.S. credit score required
75–80%
Max LTV, by scenario
No
Tax returns required

More Program Details

  • Assets are verified and converted to qualifying income by program guidelines
  • Primary, second home and investment occupancy options, by program
  • Reserves and asset sourcing requirements vary by investor
  • Remote online notarization may be available where permitted
  • Terms, LTV and loan limits vary by investor, occupancy and loan size

Foreign National Asset Utilization FAQs

What is a foreign national asset utilization loan?

A non-QM loan for non-U.S. citizens that uses verified liquid assets to qualify instead of U.S. credit history or tax returns.

Do I need a U.S. credit score?

No. Foreign national programs at TAG do not require a U.S. credit score. Underwriting still reviews assets, reserves and the property.

What is the maximum LTV?

Max LTV is generally in the 75–80% range depending on occupancy, loan size and investor guidelines. Final terms are subject to underwriting review.

Do I need to provide tax returns or pay stubs?

Generally no. Qualification is based on documented assets rather than tax returns or pay stubs, subject to investor guidelines.

How is this different from the foreign national full doc program?

The full doc program uses CPA-prepared income documentation. The asset utilization program qualifies on liquid assets, which can suit borrowers whose income is hard to document in the U.S.

Can I close remotely?

Remote online notarization may be available where permitted. Availability depends on the state, title company and investor.

Can mortgage brokers submit these loans to TAG?

Yes. Licensed brokers can submit files through TAG's wholesale channel in the states where TAG is licensed as a lender. No approval or closing date is guaranteed.

×

⭐ Our Google Reviews

Geraldine ⭐⭐⭐⭐⭐ I had the absolute pleasure of working with Tag Lending Group and can't say enough about the incredible experience...
Jaelyn ⭐⭐⭐⭐⭐ Vera was extremely helpful during our home buying process. The whole team made it so smooth and stress-free...
Logan ⭐⭐⭐⭐⭐ Anthony was fantastic and informative. They made my tricky situation look easy and worked hand in hand with me...
Some additional information in one line
Some additional information in one line