The U.S. real estate market offers incredible opportunities for international buyers — and Contour Mortgage makes it easier than ever to participate.

With Foreign National Loan Programs, non-U.S. citizens can purchase or refinance property in the United States without a Social Security number or U.S. credit history. These programs are designed to support global investors, expatriates, and international buyers looking to own or invest in American real estate.

Program highlights:

  • No U.S. credit score required – Qualify using international credit references, bank statements, or asset documentation.
  • Cash-out and investment options available – Use your equity or purchase income-generating property.
  • Overseas assets may count toward reserves – Demonstrate financial stability using funds held abroad.

Whether you’re buying a vacation home, investment property, or expanding your portfolio, Tim and Liz Serratt provide the personalized guidance and seamless process you need to invest with confidence — from anywhere in the world.

Disclaimer: Non-QM (non-qualified mortgage) loans are designed for borrowers who may not meet standard agency or government guidelines. These loans may have higher interest rates, fees, down payment and reserve requirements than traditional conforming or government-insured loans and are not eligible for purchase or guarantee by Fannie Mae, Freddie Mac, FHA, VA, or USDA. Program terms, conditions, and availability are subject to change without notice. Not all applicants will qualify.