Foreign national mortgages in Phoenix, AZ
Foreign-national mortgages finance buyers who do not have a U.S. credit file or SSN and are purchasing Phoenix-area property — often second homes or investments. Giancarlo Anduray (NMLS 1537433) treats this as its own overlay, usually inside the Non-QM family.
What “foreign national” means here
A buyer without a U.S. Social Security number or thin U.S. credit, purchasing with a larger down payment and reserves. Not the same as an ITIN primary-residence file.
Typical structure
Higher down payment, DSCR or asset-based income, and tighter occupancy rules. See Non-QM for bank statement / DSCR / P&L variants.
Phoenix property
Valley insurance, HOAs, and entity vs. individual vesting change the file. We close from 4733 W Thomas Rd Ste 5, matching the live GBP name Giancarlo Anduray – NMLS 1537433.
ITIN vs foreign national
ITIN buyers usually file U.S. returns. Foreign-national buyers often do not. Use ITIN if that is the file; do not blend the two.
Tax planning
FIRPTA, rental income, and entity purchases belong with Mi Casa Tax Advisors before you wire a deposit.
What to bring
Passport, proof of funds, property target, and whether you will occupy or rent. We will say if this overlay is even available for that asset.
Hablamos Español
Bilingual EN/ES. Same office hours: Mon–Fri 8:00 AM–7:00 PM, Sat 9:00 AM–1:00 PM.
Next step
Giancarlo Anduray, NMLS 1537433 · AFM Lending, powered by PMR · Premier Mortgage Resources NMLS #1169
4733 W Thomas Rd Ste 5, Phoenix, AZ 85031 · 623-552-4191 · Hablamos Español
Why Choose Giancarlo
A strategy-first mortgage team serving the Valley.
AFM Lending has funded more than $100 million and served over 250 clients — with honest advice and a personal commitment to every client guiding you from the first call straight through to closing day.
Giancarlo secures the most competitive mortgage rates available saving you money every month and over the full life of your loan.
Giancarlo offers free, no-obligation consultations to every client so you can explore your options without any pressure or upfront cost.
Giancarlo monitors your loan long after closing keeping you informed about refinancing opportunities and market changes that could benefit your financial future.
Giancarlo is always available to answer your questions providing dedicated, around the clock support throughout every stage of your mortgage journey.