Jhenesis Mortgage
Foreign National Mortgage
Buy or refinance US investment property as a non-US resident — no US credit or income required
Why Foreign Nationals Choose Jhenesis Mortgage
No US Credit Needed
Qualify based on property cash flow — no US credit history or FICO score required.
Flexible Reserves
Keep your 12 months of reserves in your home country bank.
Up to $1.5M Loans
Investment property loans up to $1.5 million with max 70% LTV.
Visa-Friendly
Available for many visa types and Visa Waiver Program countries.
Program Highlights
- Loan purposes: Purchase, Rate/Term Refi, Cash-Out Refi, Delayed Financing
- Property types: Investment properties only (non-owner occupied)
- Interest rate options: 5/6 ARM, 7/6 ARM, 30-year fixed
- DSCR: 1:1 ratio based on property cash flow
- No gift funds allowed; seller concessions up to 3%
- ACH auto-payment required from US FDIC bank
- Assets seasoned 60 days (30 days in US bank)
Mortgage Affordability Calculator
Frequently Asked Questions
What is a Foreign National Mortgage?
A specialized DSCR loan program for non-US residents to purchase or refinance investment properties in the US without needing US credit or income.
Do I need US credit or income?
No. Qualification is based on property cash flow with a 1:1 DSCR ratio.
What visa types qualify?
B-1, B-2, H-2, H-3, I, J-1, J-2, O-2, P-1, P-2, or Visa Waiver Program countries.
What are the loan limits?
Loan amounts from $100,000 to $1.5 million with up to 70% LTV.
Can reserves stay in my home country?
Yes, the required 12 months of reserves can remain in your home country.