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Understanding New To Country Mortgage
The United States welcomes millions of immigrants each year, and many want to put down roots by purchasing a home. Traditional mortgage requirements for US credit history and Social Security Numbers create barriers, but specialized programs have emerged to serve this growing market. ITIN loans, foreign national mortgages, and alternative credit programs provide pathways to homeownership for newcomers.
Specialized programs exist for new US residents
How NMHL Helps
Proven solutions for new to country mortgage
Personalized Consultation
Speak with a licensed expert who understands your unique situation and guides you to the right program.
Flexible Loan Programs
Access programs designed for borrowers in your exact situation — FHA, VA, conventional, and more.
Guided Process
We walk you through every step from pre-approval to closing. No surprises, no confusion.
Your Path to Homeownership
Free Consultation
Tell us about your situation and goals.
Explore Options
We match you with the best loan programs.
Pre-Approval
Get pre-approved to strengthen your position.
Close with Confidence
We guide you through closing smoothly.
Success Stories
“NMHL made our first home purchase incredibly smooth. The team guided us through every step and found us a rate we couldn't believe.”
“After being denied by two other lenders, NMHL found a solution for my self-employed income. Bank statement loan closed in 25 days.”
“The VA loan process was seamless. Zero down payment and the best rate I found anywhere. Thank you NMHL!”
We Serve 29 States
Click any state to see local rates and programs
Our Presence
Click on endorsed states to see our direct resources!
Frequently Asked Questions
Down payment requirements vary by program. ITIN loans typically require 10-20% down. Foreign national programs may require 20-25%. FHA loans for permanent residents and those with valid SSNs require just 3.5%. The specific requirement depends on your documentation and the program selected.
Some foreign national programs accept international income documentation. For ITIN loans, US-sourced income documented through tax returns is typically required. NMHL can evaluate your income sources and match them with the appropriate program requirements.
Helpful Resources
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