Get a quoteNo Social Security number. No FICO score. No problem.
We lend to overseas investors buying, refinancing or releasing equity from US real estate. If you live outside the United States and have no US credit history, we can still fund your deal.
A common-sense approach.
If the value is in the asset, and the borrower can show they are creditworthy, we can do the deal.
Most US lenders start with a credit score. If you have never lived in the United States you will not have one, and the conversation ends there. Many of those lenders also sell their loans on, and the buyers will not take a borrower without a score.
We keep our loans, so we can look at what matters: the property, the equity you are putting in, and you.
What we look at instead of a credit score
The property
What it is worth today, where it is and how easily it could be sold.
Your equity
How much of your own money is in the deal.
You
Who you are, your track record and evidence that you are creditworthy. A US credit file is not the only way to show that.
Your exit
How the loan will be repaid, whether by a sale or a refinance.
What we ask for, and what we do not
We lend to companies, so you borrow through an entity that you own and guarantee the loan personally. Everything else is kept short.
Send us the deal
The property, the loan you need and a little about you. An email is enough to start.
Get a straight answer
Terms come from the people who make the decision. If it is not for us, we say so early.
Close in days
Seven to ten days is our standard. Repay whenever you are ready.
Loans we have made to foreign nationals
Clients abroad, property in the United States.
We work with mortgage brokers in the UK and elsewhere whose clients invest in US real estate. Our founder built bridge lenders in the UK and Ireland before starting F2 Finance, so we understand how your market works and what your clients expect.
Foreign national loan questions
Can I get a US bridge loan without a Social Security number?
Yes. We do not require a Social Security number or a US credit score.
Can I get a loan with no FICO score?
Yes. We look at the property, your equity and other evidence that you are creditworthy.
Do I need to be in the United States?
You do not need to live in the United States. You borrow through a company that you own.
What can I use the loan for?
To buy an investment property, refinance an existing loan or release equity. All loans must be for business purposes, and we do not lend against a home you live in.
What types of property do you lend on?
Residential and commercial investment property in the 15 states where we lend.