Full-documentation financing solutions designed for international borrowers
A flexible financing solution designed to help eligible foreign national borrowers qualify using asset-based documentation.
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.
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.
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.
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.
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Connect To A Loan OfficerQuick 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.
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.
No. Foreign national programs at TAG do not require a U.S. credit score. Underwriting still reviews assets, reserves and the property.
Max LTV is generally in the 75–80% range depending on occupancy, loan size and investor guidelines. Final terms are subject to underwriting review.
Generally no. Qualification is based on documented assets rather than tax returns or pay stubs, subject to investor guidelines.
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.
Remote online notarization may be available where permitted. Availability depends on the state, title company and investor.
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.