How to Secure Financing as an International Buyer in Texas

Summary: Financing a home in Texas as a foreign national is possible—but requires careful planning, proper documentation, and the right partners. This guide explains how international buyers can secure loans for Dallas-area homes and what to expect from U.S. lenders.

Can Foreign Nationals Get a Mortgage in Texas?

Yes. While many international buyers pay cash, non-U.S. residents can secure mortgages from select U.S. banks and private lenders. However, expect stricter requirements and higher down payment demands.

Top Lending Options for International Buyers

• Foreign National Loans: Offered by select U.S. banks; may require 30–50% down.

• Portfolio Lenders: Smaller banks offering custom loan terms.

• Private/Hard Money Lenders: Faster approvals, higher rates—ideal for short-term investment strategies.

Basic Financing Requirements for Foreign Buyers

• Minimum 30%–50% down payment

• Valid passport and U.S. visa (if applicable)

• Proof of income and foreign tax returns

• U.S. bank account

• International credit reference letters or foreign credit report

• U.S. Individual Taxpayer Identification Number (ITIN)

Statistics to Consider

• 60% of international buyers in Texas paid all-cash in 2024

• The average international mortgage interest rate in 2025 is 7.3%, typically 1.5% higher than for U.S. citizens

• Florida and Texas account for the highest number of mortgage-funded international purchases

Quote: “Foreign nationals are increasingly using financing as a strategy to preserve liquidity while leveraging U.S. real estate opportunities.”

Challenges to Expect

• Limited lender options

• Higher interest rates and fees

• Currency exchange timing and fluctuations

• Longer underwriting timelines due to documentation review

How a REALTOR® Helps Navigate the Process

Working with a global REALTOR® like Nitin Gupta, CRS, GRI, CIPS, ensures you are matched with lenders experienced in international transactions. Learn about his certifications: https://www.nitinguptadfw.com/dallas-realtor-designations

Need help connecting with international lenders? Contact Nitin Gupta today: https://www.nitinguptadfw.com/contact

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