For foreign nationals purchasing high-value U.S. real estate, our Super Jumbo program offers financing up to $50 million with just 30% down. Jumbo loans (over $417,000) and super jumbo loans (over $8 million) are available to foreign nationals and non-U.S. residents through our network of wholesale lending partners.
One of the key advantages of this program is that sellers can contribute up to 6% of the purchase price toward the buyer’s closing costs — significantly reducing the cash needed at closing. Most programs offer 72-hour underwriting turnaround, with closings averaging 45 days.
Available nationwide in all 50 states. If you are purchasing a condominium, contact us to pre-qualify the development before making an offer.
Loan Details
| Minimum Down Payment | 30% |
|---|---|
| Maximum LTV | 70% |
| Loan Amounts | Up to $8M (jumbo) / Up to $50M (super jumbo) |
| Loan Terms | 30-year fixed, 3/1, 5/1, 7/1, 10/1 ARM |
| Interest Rates | Competitive — call (954) 300-1287 for current rates |
| Seller Concessions | Up to 6% of purchase price toward closing costs |
| U.S. Credit Required | No — credit history report may not be required |
| Prepayment Penalty | None |
| Underwriting | 72-hour turnaround |
| Property Types | Single family residential (condos if approved) |
| Multi-Family | Duplexes, triplexes, and fourplexes do not qualify |
| Closing Timeline | 45 days average |
| Coverage | All 50 states |
What You Will Need
- Copy of the purchase agreement
- Completed mortgage application
- Valid passport with U.S. visa (B-1, B-2, H-3, I, J-1, J-2, or R-1)
- 3 personal credit references (credit card, mortgage, car lease, landlord letter, utility bill)
- If self-employed: accountant (CPA) letter or employer letter
- Last 2 months bank statements showing funds for 30% down payment, closing costs, and reserves
- U.S. bank account with direct debit setup for mortgage payment
- Corporate title is generally not allowed
Frequently Asked Questions
What is the difference between jumbo and super jumbo loans?
Jumbo loans are mortgage amounts over $417,000 and up to $8 million. Super jumbo loans exceed $8 million and can go up to $50 million. Both are available to foreign nationals through our lending partners.
Can I finance a condo with a super jumbo loan?
Condos are eligible if they are approved or meet specific guidelines (70% sold and closed). Call us to pre-qualify the condominium development before making an offer.
Is a credit history report required?
In some cases, a credit history report may not be required. This depends on the specific lender and loan amount. We will advise you on documentation requirements during your consultation.
Can I get a 30-year fixed rate on a jumbo loan?
Yes. 30-year fixed options are available on some jumbo programs, along with adjustable rate options (3/1, 5/1, 7/1, 10/1 ARM).
How much can the seller contribute to closing costs?
The seller can contribute up to 6% of the purchase price toward your closing costs — a significant advantage that can reduce your out-of-pocket expenses at closing.
Ready to Get Started?
Get a free consultation with Nick Lazarevic. We will match you with the best program from our network of 60+ lenders.
Related Programs: All Foreign National Programs | 80% LTV Purchase | DSCR Investment Loans | Investment / Buy-to-Let
1st Capital Group as dba of GFL Capital Mortgage Inc | Company NMLS #64367 | Nick Lazarevic NMLS #38639 | Licensed Mortgage Lender | Equal Housing Opportunity | All loans subject to lender underwriting approval. Programs, rates, terms, and conditions are subject to change without notice. Not a commitment to lend.