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Expat · U.S. Citizen Abroad

Finance U.S. Real Estate
While Living Abroad

For U.S. citizens living or working outside the country who want to buy, refinance, or access equity in U.S. real estate without returning home to do it.

U.S. Citizens OnlyPurchase & RefinanceIncome from Abroad OKNo Branch Visit Required

Living Abroad Doesn't Mean Losing Access to U.S. Real Estate

Many U.S. expats assume they can't get a mortgage on U.S. property because they live and earn abroad. In many cases that's not true. There are programs designed specifically for U.S. citizens with foreign income, foreign residency, or non-standard employment situations who want to maintain or build a U.S. real estate portfolio.

Requirements vary by lender and depend on factors like income type, country of residence, property type, down payment, and credit. A scenario review is the best starting point to understand what may work for your specific situation.

  • U.S. citizens living and earning abroad
  • Foreign employment income may be considered
  • Purchase, refinance, and cash-out options
  • Investment and primary residence scenarios
  • Digital process — no branch visit required
  • Subject to lender, income, and documentation guidelines
Expat Mortgage Options
Program details vary by lender and scenario
Borrower
U.S. Citizen Abroad
Income
Foreign or U.S. Employment
Process
Digital-First
Best Start
Scenario Review
Book My Expat Review → Or book a scenario review →

Not a commitment to lend. Subject to credit, income, property, and program guidelines.

Ready to explore your Expat Mortgage Options options?

Complex files welcome. Start with an application or book a scenario review.