What is Foreign National Full Doc?

The ITIN/Foreign Nationals Full Doc program is specially crafted for international borrowers, offering them a clear path to financing in a foreign landscape. Your borrowers, whether holding an ITIN or being foreign nationals, can navigate the loan process seamlessly with comprehensive documentation. This program removes the barriers often faced by international applicants, ensuring they have the same accessibility and ease as local borrowers. It’s the perfect bridge for global clients seeking a foothold in a new financial environment.

Need a Foreign National Full Doc loan scenario review?

If you have a client scenario that you would like our team to review, please use our simple prequal submission form.


  • Up to 75% Max LTV
  • Loan Amounts: $150K–$3M+
  • Purchase, Rate and Term, Cash Out
  • Second Homes and NOO Business Purpose
  • Min FICO Score of 700 With Established U.S. Credit or Foreign Credit
  • 1–2 Years Documentation; Wage: 30 Days Pay Stubs (With YTD Info) and Either W-2 Equivalent or 2 Years Tax Returns or Letter From Employer; Self-Employed Documentation; Asset Utilization
  • 3 Years Seasoning From U.S. Credit Events
  • Foreign National


Become an Approved
Broker in Just Minutes!

Offer your clients even more financing options by becoming an NQM Funding, LLC-approved broker. You’ll gain access to our competitive loan packages, flexible programs, and top-quality support service to ensure that your clients are getting the best deal, every time.


This information is intended for the exclusive use of licensed real estate and mortgage lending professionals in accordance with all laws and regulations. Distribution to the general public is prohibited. Rates and programs are subject to change without notice.