Arizona Loan Options
Arizona Foreign National Loan
Our Foreign National Loan is designed to help non-U.S. citizens invest in Arizona real estate with ease. This specialized loan program offers flexible financing solutions tailored to the unique financial profiles of international buyers. With streamlined eligibility requirements and a commitment to simplifying the lending process, we make it easier for foreign nationals to navigate U.S. real estate transactions.
Whether you’re purchasing a vacation home in Scottsdale, an investment property in Phoenix, or a desert retreat in Sedona, our Foreign National Loan provides a seamless path to homeownership in Arizona.
Start your Arizona real estate investment today—contact us to learn more!

Program Highlights of the Foreign National Loan
Program Highlights:
- Second Home or Investment property only
- Maximum loan amount up to: $4,000,000
- 30% Down Payment for loan up to $1,500,000
- 35% Down Payment for loan up to $2,000,000
- 40% Down Payment for loan up to $5,000,000
- Refinances: maximum 65% LTV
- We have an equity-based loan that can fund with no income documentation
Eligible Property Types:
- Single Family Homes
- Condominiums
- Condotels
- Site Condos
- Airbnb, VRBO, etc.
Loan Terms:
- 5/1 ARM
- 10/1 ARM
- 15-year Fixed
- 30-year Fixed
Typical Program Types
The most popular loan programs in the U.S. are the 30-year and 15-year fixed rate mortgages. The fixed rate mortgages are now available for foreign borrowers. However, the most popular loan program for foreign borrowers is the 10-year ARM.
U.S. ARM loan programs are similar to the variable rate available in most countries. However, the U.S. mortgage is amortized over 30 years and does not have a prepayment penalty.
The U.S. ARM loan programs offer an initial fixed rate of 1, 3, 5, 7, or 10 years. Once you are past the initial fixed rate period, the rate will adjust one time ever year for the remaining loan term.
Income Documentation:
U.S. Mortgages now require full income documentation for a minimum of 2 years. Income must be documented via Federal and Corporate/Business Tax Returns, as well as current paystubs when applicable.
Asset Documentation:
Full liquid asset documentation is required. Assets are usually documented via 2-3 months of bank, stock, mutual fund and/or retirement statements. Please note that we may not be able to use 100% of the value of retirement accounts.
All Documents must be translated into English by a bank-approved company. For a complete list of documents required to process your loan: Document Check List
Closing Costs:
U.S. closing costs are different than in other countries. The common and standard fees required by banks/lenders in the U.S. are:
Points: a fee (percentage of loan amount…1 point equates to 1% of loan amount) that has a direct relationship with the rate. The higher the points, the lower the rate and vice versa. Zero point options are now available to foreign borrowers.
Lender Fees: Underwriting, Loan Docs, Admin, Processing, Funding… some or all of these may be applicable and will be disclosed with our initial Lender’s Estimate.
*These products may have a higher interest rate, more points or more fees than other products requiring documentation.
Information and self-help tools are provided for your independent use and are not intended to provide investment advice. We cannot and do not guarantee loan eligibility or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to speak with one of our experienced loan officers for a loan eligibility analysis and custom rate and payment estimate.