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Foreign National Loans

Foreign National Loans in Maryland

Real estate financing for non-US citizens investing in Maryland. No SSN required. No US credit history needed.

Get Pre-Qualified →Call (732) 754-2144

Why International Investors Are Choosing Maryland

Maryland continues to attract international real estate investors from around the world. Whether you are a Canadian, European, Latin American, or Asian investor, Maryland offers strong rental yields, property appreciation, and a stable legal framework for foreign property ownership. Foreign national loan programs make it possible to finance your Marylandinvestment without a US Social Security Number or credit history.

A foreign national loan allows non-US citizens to purchase investment properties in Maryland using their foreign passport, ITIN, or visa as identification. These programs do not require US tax returns, W-2s, or a US credit score. Instead, lenders evaluate the property's income potential, your down payment, and your foreign financial documentation. Sinai Capital shops your deal to 50+ lenders to find the best rate and terms for your Maryland investment property.

Maryland Real Estate Market at a Glance

Median Home Price

$400,000

Median Rent

$2,000

Avg Cap Rate

5.8%

Foreclosure Type

Both

State Income Tax

Yes

Landlord Friendly

Moderate

Baltimore offers some of the best cash-flow opportunities on the East Coast, with DSCR-qualifying properties available at price points 50-70% below nearby D.C. suburbs.

Top Maryland Markets for Foreign National Investors

Baltimore, MD

Popular market for international real estate investment

Columbia, MD

Popular market for international real estate investment

Silver Spring, MD

Popular market for international real estate investment

Germantown, MD

Popular market for international real estate investment

Frederick, MD

Popular market for international real estate investment

Foreign National Loan Requirements in Maryland

Down Payment25-30% (varies by lender and property type)
Interest Rates7% - 11% (depends on LTV, property, and lender)
SSN RequiredNo - qualify with ITIN or foreign passport
IdentificationValid foreign passport, visa, or ITIN
Loan Terms30-year fixed, 5/1 ARM, 7/1 ARM, interest-only available
Loan Amounts$100,000 - $5,000,000
US Credit HistoryNot required - foreign credit or asset-based qualification
Property TypesSingle-family, 2-4 units, condos, townhomes, commercial
OccupancyInvestment property only (no primary residence)
DocumentationForeign bank statements, passport, proof of income or assets

Maryland Lending Regulations & Tax Considerations

Foreclosure & Lending Laws

Maryland allows both judicial and non-judicial foreclosure, with the process typically taking 3-6 months. Baltimore City has specific regulations including a rental registration requirement. The state has moderate tenant protections.

Tax Implications for Foreign Investors

Maryland has state income tax rates up to 5.75%, plus county income taxes that add 2.25-3.2%. Property tax rates average about 1.07% statewide. Baltimore City has one of the highest property tax rates in the state at about 2.25%.

FIRPTA Considerations

Foreign nationals selling US real estate are subject to the Foreign Investment in Real Property Tax Act (FIRPTA), which requires buyers to withhold 15% of the gross sales price at closing. It is important to consult with a tax professional familiar with international real estate transactions when investing in Maryland property as a foreign national.

How to Get a Foreign National Loan in Maryland

1

Tell us about your deal

Fill out a quick pre-qualification form with your Maryland property details, loan amount, and timeline. Takes about 2 minutes. No SSN or US credit pull required.

2

We shop 50+ lenders for your best rate

We send your deal to our network of 50+ lenders who offer foreign national loan programs in Maryland. Each lender competes to offer you the best rate and terms for your international investment.

3

Choose your terms and close

Pick the offer that works best for your Maryland investment. We handle the paperwork and coordinate with your team to push the deal to closing. We work with international investors across all time zones.

Maryland Foreign National Loan FAQ

Can foreign nationals buy property in Maryland?+
Yes, foreign nationals can legally purchase real estate in Maryland. There are no federal or Maryland state laws preventing non-US citizens from buying investment property. Foreign national loan programs are specifically designed to help international investors finance Maryland real estate without needing a Social Security Number or US credit history.
What documents are needed for a foreign national loan in Maryland?+
For a foreign national loan in Maryland, you will typically need a valid foreign passport, a visa (if applicable), proof of income or assets from your home country, bank statements (foreign or domestic), and a completed loan application. Some lenders may also require a letter from a foreign credit bureau or an international credit report. No SSN or US tax returns are required.
Do I need a Social Security Number to get a loan in Maryland?+
No, you do not need a Social Security Number (SSN) to get a foreign national loan in Maryland. These loan programs are specifically designed for non-US citizens who do not have an SSN. You can qualify using an Individual Taxpayer Identification Number (ITIN) or simply your foreign passport. Lenders use alternative methods to verify your identity and creditworthiness.
What are foreign national loan rates in Maryland?+
Foreign national loan rates in Maryland typically range from 7% to 11%, depending on factors like your down payment amount, loan-to-value ratio, property type, and the specific lender. Rates tend to be higher than conventional US mortgages due to the additional risk lenders take on with international borrowers. Working with a broker like Sinai Capital who shops your deal to 50+ lenders can help you find the most competitive rate available.
Can I finance Maryland property with an ITIN instead of an SSN?+
Yes, many lenders offer ITIN loan programs for Maryland investment properties. An Individual Taxpayer Identification Number (ITIN) is issued by the IRS to individuals who need to file US taxes but are not eligible for an SSN. ITIN loans may offer slightly better rates than passport-only foreign national programs because the borrower has an established US tax filing history.
Which property types qualify for foreign national loans in Maryland?+
Foreign national loans in Maryland are available for a wide range of investment property types, including single-family homes, 2-4 unit properties, condos, townhomes, and commercial properties (5+ units). Short-term rentals and vacation properties may also qualify. The property must be used as an investment - primary residence financing is not available through foreign national loan programs.

Ready to Invest in Maryland Real Estate?

We help international investors finance Maryland properties with no SSN required. 50+ lenders competing for your deal. Takes 2 minutes.

Get Pre-Qualified →Call (732) 754-2144

Other Loan Products Available in Maryland

DSCR LoansBridge LoansFix-and-Flip LoansCash-Out RefinanceConstruction LoansCommercial LoansPortfolio LoansBank Statement

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