Foreign National Loans in Delaware
Foreign national mortgages let non-US residents purchase a second home or vacation property in the United States. No US credit history, no US tax returns, no Social Security Number — just a passport, visa or visa-waiver evidence, foreign credit reference, and verifiable reserves.
Delaware at a glance
- Major metro
- Wilmington
- 2026 conforming loan limit (1-unit)
- $832,750
- High-cost counties
- No
- Active matching programs
- 2
Who it's for
Non-US residents purchasing vacation homes in resort markets (Florida, Arizona, California, Hawaii), foreign investors buying personal-use property they will not rent out, and dual citizens spending part of the year stateside.
Programs available in Delaware
FHA Mortgage Program
confirmed 9/2/2026FHA purchase loan program for primary residences with flexible credit requirements and options for manual underwriting.
ITIN Mortgage Program
confirmed 5/10/2026A flexible non-QM and DSCR program supporting ITIN borrowers, foreign nationals, and offering cash-out options for manufactured homes with no seasoning requirements.
Frequently asked questions
Can a foreign national buy a primary residence?
Most foreign national programs are designed for second-home use. A few programs allow primary residence if the borrower can document US presence — typically with a valid long-term visa.
What's the minimum down payment?
20–25% on second-home purchase, 30%+ for purely investor-style cash-out. Programs vary.
How are reserves verified?
Funds are wired to a US bank account 30–60 days before closing and seasoned. A 30-day statement on the US account is typically acceptable.
Are mortgage rates higher for foreign nationals?
Yes, typically 0.5–1.5% above a comparable US-citizen second-home rate. The premium reflects the offshore credit and asset profile.
Get a rate for Delaware
Pricing for Wilmington and the rest of Delaware. No personal information required.
Get instant pricingToday's mortgage rates
Conventional
6.250%
6.288% APR
FHA
5.750%
5.780% APR
VA
5.750%
5.780% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.