No U.S. Credit History? Foreign National Mortgage Options in Texas

Quick Answer: Many buyers assume no U.S. credit score means paying cash. Not always. Foreign national loan programs are built for this. Lenders often ask for a valid passport, bank statements, and credit references from your home country, and usually require a larger down payment and reserves. Terms vary by program.

Does no U.S. credit history mean cash only?

Not always. Foreign national loan programs exist for buyers without a U.S. credit score.

What do lenders often ask for?

• A valid passport.

• Bank statements.

• Credit references from your home country.

What should I expect?

A larger down payment and reserves than a standard loan, and terms that vary by program. Start early, because foreign documents take time to gather and translate.

Frequently Asked Questions

Can a foreign national get a mortgage in Texas?
Some programs exist. Terms vary, and not all applicants qualify.

What documents do lenders often ask for?
A valid passport, bank statements, and credit references from your home country.

How much down payment is needed?
Usually more than a standard loan, plus reserves. It varies by program.

Questions about this? Send me a message or call 512-300-8611, in English or Vietnamese. See also investment property with Ai Tran.

Ai Tran, NMLS #2627075. Loans through Loan Factory, NMLS #320841, in Texas and California only. Equal Housing Lender. Subject to underwriting approval; not all applicants qualify. Disclosures · Texas disclosures. This post was first published on 2026-10-27; market figures are as of that date.