Foreign National Loans

Want to buy a home in the United States, but you're not a US Citizen?

No problem, Our Foreign National Loan Program makes buying a home in the US easier for non-US citizens. While the guidelines on these loans are different than conventional, conforming or other federally insured loan programs, we are confident that our loan program can meet your needs.

Here are some of the key details:

  • Our Foreign National Loan program offers competitive interest rates.
  • You can borrow up to $750,000 per property (minimum amount borrowed is $100,000).
  • Multiple Fixed rate terms to choose from (10, 15, 20, 25 & 30).
  • Multiple Adjustable rate terms available as well (5/1, 7/1, 10/1).
  • You can use our Foreign National Loan Program to Purchase a New home or refinance your current home.
  • Debt-to-income ratios are 50% ("Assets for income" option).
  • No pre-payment penalties.
  • We can finance up to 75% loan-to-value (if the home is worth $500,000 then we can lend up to $375,000).
  • This program is eligible for multiple property types including: single-family homes, condos and townhouses.
  • All Loans are manually underwritten.
  • The Foreign National Loan Program is available to Self-employed foreign national borrowers as well.
  • Some seller concessions are allowed (Max 6% up to 65% LTV)
  • Escrows: Taxes and insurance escrows are required

* - Please visit our Disclosures page for more details for all loan types

Contact Us

American Pacific Mortgage (NMLS# 1850)
Branch NMLS #1732230
9601 Katy Freeway, Suite 420
Houston, Texas 77024
Phone: 713-822-0475
Fax: 866-889-0767
State Licenses: TX
John Frels (NMLS# 282056)

Servicing

888-628-1414
support@apmortgage.com

Hours of Operation:

Monday - Friday, 8:30 am - 5:30pm CST
Saturday, 8:30am - 12:30pm CST

Complaints may be directed to:

888-628-1414
support@apmortgage.com

Texas Mortgage Banker Disclosure

Pursuant to the requirements of Section 157.007 of the Mortgage Banker Registration and Residential Mortgage Loan Origination Act, Chapter 157, Texas Finance Code, you are hereby notified of the following:

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST American Pacific Mortgage SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.Texas.gov. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV.

THIS DISCLOSURE WAS DELIVERED TO THE CONSUMER VIA OUR WEBSITE.

© 2020 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.