Créditos Hipotecarios en Estados Unidos para Extranjeros

FAQs

• Can a foreigner obtain a mortgage loan in the United States?

  We tell you if it is possible and what conditions you must meet to finance a property without being a resident.

  Yes, a foreigner can access a mortgage loan in the United States, even without living in the country or having a local credit history. There are specialized financial institutions, known as foreign national lenders, that have designed programs for international investors.

  These mortgages usually require a higher down payment, but they allow financing residential, investment or vacation properties without the need to be a citizen or permanent resident.

• Advantages of Acquiring a Mortgage Loan in the USA as a Foreign Investor

  Access to the same Interest Rates as an American Investor
  • Financing from 75% with 15, 20 or 30 year mortgages; easing the financial burden and providing flexibility to choose the optimal option according to the profile and needs.
  • Enter the U.S. Real Estate Market in strategic cities such as Miami, Orlando, or Houston to obtain significant profits through Short or Long Term Rentals.
    Complete the application in a remote and simplified way through our mortgage simulator to estimate the costs, and count with Professional Advice.
  • Access to the possibility of Refinancing the Debt, either through “Rate and Term Refinancing” or “Rate and Term Cash Out Refinancing”. Improve the conditions and allow Foreign Investors and Buyers to establish New Real Estate Objectives.

• Requirements to Obtain a Mortgage Loan as an International Investor

  We explain what documents and conditions you need to fulfill to apply successfully.

  Requirements to obtain an International Investor Credit in the United States

  • Complete the online application form.
  • Submit copies of passport and ideally a valid visa to enter the United States, as well as a resume, proof of primary residence, letter of income, two bank references and the last three months of bank statements.
  • Attach a copy of the fully executed Purchase and Sale Contract, as well as copies of checks and/or bank transfer receipts.

• Why apply for a loan with The Q Kapital Group?

  More than 15 years of experience, advice in Spanish and access to the best market conditions.

  Because here you’re not just looking for a mortgage. You are looking for peace of mind, clarity and real results.

  At The Q Kapital Group, we accompany you from the first click to the closing, offering you an agile, transparent and personalized process. These are some of the reasons why thousands of clients have already trusted us:

  ✅ Full transparency: Our privacy policy and terms and conditions are clear from the start. We explain every step so you can make decisions with confidence.

  ✅ Expert support: Our team is available at all times to answer your questions and help you move forward, with no red tape or small print.

  ✅Personalized advice: We do not use generic solutions. We tailor each proposal to your financial goals and your particular situation.

  ✅ Access to more than 50 financial institutions: We compare and search for you the best conditions in the market, instead of limiting you to only one bank.

  ✅ Fast pre-approval, without affecting your credit score.

  With us, you’re not just another number. You are someone who is building your future, and we want to help you get there safely and efficiently.

• What type of properties can I finance if I am a foreign investor?

  From your first home to an investment property: we show you your options.

  You can finance condominiums, houses, commercial properties; either to live there or for investment. With Qkapital we help you meet your financial goals.

• How much should I put down as a down payment?

  You can finance properties in the United States with as little as 30% down.

  From 30% down payment you can find financing options for properties in the United States, from your country of origin. Whether it is Colombia, Mexico, Argentina, Spain. You do not need to be an American resident to obtain mortgage financing.

• What credit score do I need for a mortgage loan?

  Foreigners are not required to have prior credit history

  Contrary to local investors, foreign investors are not (necessarily) required to have a credit history in the country. In addition, the credit history of their country of origin is not taken into account when applying for credit.

• How long did it take to get approval?

  With our team, pre-approval can take as little as 24 to 48 hours. We tell you all about the process.

  At The Q Kapital Group, we strive to provide a streamlined and efficient experience for our clients. The following is a typical process and estimated time frame.

  1. Initial Application:

  • ​Estimated time: 2-3 minutes.
  • Description: You can complete our online application quickly and easily. This form collects basic information about your financial situation and the characteristics of the property you wish to finance.

  2. Pre-approval:

  • Estimated time: 24-48 hours.
  • Description: Upon receipt of your application, our team will review the information provided and perform a preliminary evaluation to determine the loan amount and terms for which you may qualify. Our goal is to provide a quick and hassle-free pre-approval.

  3. Collection of Documents:

  • Estimated time: Depends on the client.
  • Description: We will request additional documents such as proof of income, bank statements and property details. The speed with which these documents are provided will influence the total processing time.

  4. Processing and Remediation:

  • Estimated time: 5-10 business days.
  • Description: Our team will analyze in detail all the documentation and will work with you to resolve any possible inconvenience or additional requirement.

  5. Final Approval and Closing:

  • Estimated time: 7-14 business days.
  • Description: Once all verifications are completed, final loan approval will be made and closing documents will be scheduled for signing

  Note: The times mentioned are estimates and may vary depending on the complexity of each case and the promptness in the delivery of the required documentation.

  At The Q Kapital Group, we are committed to maintain constant and transparent communication throughout the process to ensure a smooth and satisfactory experience.