Freddie Mac national average, 08/27/2026
U.S. mortgage guidance · wherever you are
Your location can change. Your plan to own U.S. real estate can keep moving.
Explore possible financing paths, estimate a real monthly payment and prepare the documents a mortgage professional will typically ask for. In English, Spanish or Portuguese.
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2026current market data
100%private on your device
Market reference
6.66%30-year fixed
15-year fixed5.98%
Freddie Mac PMMS · Aug 27, 2026
Outside the United States?
Being outside the U.S. does not automatically mean you must give up on U.S. property ownership. Foreign-national and investor programs may exist, while owner-occupied programs have different residency and lender requirements.
See possible paths →3.5%FHA minimum investment in many eligible cases
$832,7502026 baseline conforming limit · 1 unit
ITINSpecialty mortgage programs exist for eligible ITIN borrowers
Foreign NationalInvestor financing may be available without U.S. residency
Payment Calculator
Know the payment before you fall in love with the house.
The formula uses standard fixed-rate amortization and lets you include taxes, insurance, HOA and mortgage insurance. The rate is editable because your actual rate depends on your profile and lender pricing.
Financing Path Finder
Tell us your situation. We’ll show what may be worth discussing.
This is an educational navigator, not automated underwriting. It intentionally avoids collecting sensitive documents or a full loan application.
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Your answer will appear here.
We’ll explain possible loan categories, what strengthens your file and what deserves a direct review with our team.
Document Checklist
Prepare first. Send sensitive documents only through a secure channel.
Choose the profile closest to yours. The list shows common documents lenders may request; the final checklist varies by lender, program and transaction.
Privacy by design: this MVP stores checklist progress and calculator values only in your browser. It does not upload IDs, bank statements, tax returns or other documents.
Education Center
The fear usually gets smaller when the rules become clear.
These are reference points, not promises. Mortgage programs change frequently and a specific lender may be more restrictive.
EasyMortgage Guides
Read this before deciding that a U.S. home is out of reach.
Short, practical guides built around the questions immigrant, Hispanic, Brazilian and international buyers ask most often. No scare tactics. No promises. Just a clearer map.
Freddie Mac national average, 08/27/2026
FHFA baseline conforming limit, one-unit property
National low-cost floor, one-unit; county limits vary
FHA
FHA-insured loans can allow down payments as low as 3.5% in eligible cases and are often considered by first-time buyers. Mortgage insurance applies and county loan limits matter.
Conventional
Some Fannie Mae/Freddie Mac conventional programs allow down payments as low as 3% for eligible borrowers. Non-U.S. citizens who are lawful permanent or non-permanent residents can be eligible under agency rules.
ITIN / Non-QM
Specialty lenders publish ITIN programs for eligible borrowers. Requirements, LTV, rates, reserves and documentation vary substantially and are not the same as FHA or conventional underwriting.
Bank Statement
For some self-employed borrowers, non-QM programs can use business or personal bank statements instead of traditional tax-return income calculations. The required history and expense treatment are lender-specific.
Foreign National / Investor
Some non-QM lenders publish programs for foreign nationals purchasing U.S. investment property. This can create a path for people living abroad, but it should never be presented as guaranteed financing or as an owner-occupancy substitute.
If you had to leave the U.S.
Leaving the country does not itself answer whether you can own or finance U.S. real estate. New financing depends on the transaction, property use, identity/tax profile, lender program and applicable law. Immigration and legal questions should be reviewed separately with qualified counsel.
Methodology & sources used in this prototype
Freddie Mac PMMS — 30-year 6.66% / 15-year 5.98%, Aug 27 2026
CFPB — fixed-rate mortgage payment methodology
CFPB — FHA loans and 3.5% minimum down payment
FHFA — 2026 conforming loan limit $832,750 baseline
HUD/FHA — 2026 FHA loan limits
Fannie Mae — lawful permanent and non-permanent resident borrower eligibility
Freddie Mac — permanent and non-permanent resident eligibility
HUD Mortgagee Letter 2025-09 — current FHA residency policy change
IRS — what an ITIN does and does not mean
CFPB — information required for a Loan Estimate
Acra Lending — public ITIN program example (specialty/non-QM)
Acra Lending — public bank-statement program example for self-employed borrowers
Acra Lending — public foreign-national investment program example
American Bar Association — state/federal foreign real-estate ownership restrictions
Valdir Borba — public professional profile and NMLS
Professional licensing and disclosure information
Human review matters
A calculator gives you a number. Our team can help you understand which path may fit your situation.
Send only a high-level scenario through the consultation channel. For personal financial documents, use the secure channel provided during professional review.