Who this is for
Foreign national lending is for borrowers who are not U.S. citizens or permanent residents and may not have a U.S. credit score, U.S. tax returns, or U.S. bank history — but want to buy or refinance investment property in Texas.
Why traditional banks usually say no
- No U.S. FICO score
- No U.S. tax returns or W-2 income
- Income earned in foreign currency
- ID, address, and source-of-funds documentation in another language
How a private, asset-based lender solves it
A private lender like Global Fox Financial qualifies the property, not the borrower's foreign credit profile. If the property is solid, the LTV is conservative, and source of funds is documented, the loan can move forward.
Typical requirements
| Eligible property | Non-owner-occupied residential and commercial in Texas |
| Down payment | Typically 30–40% (varies by property) |
| Credit | U.S. credit not required |
| Income docs | Letter of employment or business ownership; bank statements |
| ID | Valid passport + visa (if applicable) |
| Source of funds | Documented (bank statements, wire trail) |
| Closing structure | Often via U.S. LLC for liability and tax planning |
Why South Texas
Hidalgo and Cameron County sit on the U.S./Mexico border, with strong cross-border investor demand in McAllen, Edinburg, Mission, Weslaco, Harlingen, and Brownsville. We work with bilingual borrowers daily — every conversation can happen in English or Spanish.
What we do not do
We do not fund fix-and-flip, rehab, or ground-up construction loans — even for foreign nationals. We focus on stabilized investment property purchases, refinances, and cash-out using property as collateral.
Investing in Texas from outside the U.S.?
Talk to Rey — bilingual, direct, no pressure.