📋 Basic Eligibility
| Category | Requirement | Required Documents |
|---|---|---|
| Nationality | Foreign national | Passport copy |
| Employed / Self-employed | 2+ years of employment or self-employment income | Withholding tax receipt Standard financial statement |
| Credit Score | 2+ years of regular credit history | Telecom payment records Credit card payment records |
| Down Payment | Held in account for 2+ months | Bank balance certificate from a major bank |
| Reserves | 6 months of estimated monthly payment (PITIA) | Deposited in a U.S. bank account |
Important notes
- All documents must be submitted in English and cover the most recent 2 years.
- Documents must be submitted within 30 days of issuance.
- Additional documents may be requested depending on your situation.
- Underwriting typically takes 2 to 4 weeks.
- PITIA is the sum of Principal, Interest, Taxes, Insurance, and Association Dues — the total monthly cost of owning and maintaining a home.
Enter the home price and see the cash needed and monthly payment.
- Home Price
- $0
- Loan Amount (based on 65% LTV)
- $0
- Down Payment
- $0
- Estimated Monthly Payment (based on 6.000% rate)
- $0
Down payment plus 6 months of monthly payments, the cash needed to purchase is
💰 $0
🇺🇸 Why U.S. real estate?
Stable growth and low country risk
The U.S. economy is one of the strongest in the world and continues to grow steadily even as a developed economy. Its legal system is stable, with minimal risk of sudden regulatory changes — providing a safe environment for real estate investment.
Rising asset values and a strong dollar
U.S. asset values keep rising, and the dollar remains strong. When both move up together, long-term returns become attractive — making U.S. real estate a stable and profitable choice.
Useful for study abroad and immigration
Give your child the chance to study in the U.S. and gain diverse experiences. Buying U.S. property in advance gives them a place to live during their studies and saves significant rent costs.
Leverage your existing assets
U.S. real estate is highly attractive as an investment asset regardless of housing regulations in your home country. If you already own a home, you can use a home equity loan as the down payment for U.S. property — leveraging your existing assets.
🏦 Compare rates with other lenders!
 |  |  | |
|---|---|---|---|
| Interest Rate | 6.000% | 6.125% | 6.375% |
| APR | 6.101% | 6.139% | 6.536% |
| Points | $5,061.00 | $6,013.00 | $7,000.00 |
The rate difference between Loaning.ai and Wells Fargo is
0.375%Even small differences add up — always compare rates!
Rates as of 2026-05-21