Yes. You need a current passport, a valid visa, a US bank account and an LLC or corporation to borrow in, and no FICO score, ITIN or Social Security number. The leverage is the same as for a US borrower, 85% LTC standard; qualifying without a FICO score means a higher rate.
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| Passport | Current, not expired |
|---|---|
| Visa | Valid |
| US bank account | Required |
| Credit score | Not required. You can qualify with no FICO score |
| ITIN or Social Security number | Neither is required |
| Borrowing entity | An LLC or corporation, not your personal name |
| Guaranty | Full recourse from every owner holding 20% or more is standard |
| Signing | You can sign through a power of attorney |
| Leverage | The same as a US borrower: 85% LTC standard, up to 100% of the construction budget, no more than 75% of the finished value (LTARV) |
| Rate | Higher when you qualify without a FICO score |
| Experience | 3 completed projects, including 1 comparable verified exit in the last 36 months, or a general contractor with 3 completed projects in the last 36 months, proven by certificates of occupancy |
| Tax returns | Not required |
Updated . Business-purpose loans only.
Everything else is the standard program: loans from $200,000 to $5,000,000, 9 to 18 months, points of 1% to 2% of the loan amount, and interest charged only on drawn funds. The full terms are on the ground-up construction loans page.
Qualifying without a FICO score changes the rate, not the size of the loan. A foreign national gets the same LTC and LTARV as a US borrower: 85% of project cost as standard, up to 100% of the construction budget, and no more than 75% of the finished value.
The experience rule does not change either. Either you have completed 3 projects, including 1 comparable exit in the last 36 months, or your general contractor has completed 3 in the last 36 months, proven by certificates of occupancy.
In May 2026 Domus funded two ground-up construction loans to foreign nationals in Florida. Both were spec single-family homes at 85% LTC on an 18-month term, and in both the borrower already owned the land and refinanced it into the construction loan.
| Location | Loan amount | Funded | Borrower |
|---|---|---|---|
| Florida | $487,500 | May 2026 | Foreign national |
| Florida | $500,001 | May 2026 | Foreign national |
More on the funded deals page.
You are buying a $150,000 lot in Florida and building a $450,000 house: $600,000 of total project cost. The finished house appraises at $850,000.
Qualifying without a FICO score changes the rate, not the cash you bring. Every cost on the loan is listed on the construction loan costs page.
This is an example calculation with round numbers, not a real deal.
No US bank account. It is required.
An expired passport or no valid visa. The passport must be current and not expired, and the visa valid.
Planning to borrow in your own name. Construction loans close in an LLC or corporation, never in a personal name.
No track record and no experienced GC. Not needing a FICO score does not remove the experience rule. Either you have built before, or your general contractor has, 3 times in the last 36 months.
A project outside the program. Owner-occupied homes, rural property, more than four units, and markets outside Florida, Georgia, South Carolina, North Carolina and Tennessee do not qualify.
Yes. Domus accepts foreign nationals on all of its loan programs, including ground-up construction in Florida, Georgia, South Carolina, North Carolina and Tennessee.
Yes. Foreign nationals need neither a Social Security number nor an ITIN. You need a current passport, a valid visa and a US bank account.
No. You can qualify with no FICO score, at a higher rate.
The same as a US borrower: at least 15% of total project cost at the 85% LTC standard. Equity in land you already own counts toward it. Points, the processing fee and closing costs are paid in cash.
Yes. Construction loans close in an LLC or corporation, never in a personal name. Full recourse from every owner holding 20% or more is standard.
A current, non-expired passport and a valid visa, plus a US bank account.
You can sign through a power of attorney.
You do not need an ITIN. As a foreign national you can qualify with your passport, a valid visa and a US bank account, with no ITIN, Social Security number or FICO score.
The full list of borrower requirements is on the ground-up construction loan requirements page.
By Maximiliano Extrakt, Co-Founder, Domus Lending Group. Updated .
Business-purpose loans only.
Once we have all the information we need, we can price your deal the same day. In English, Spanish or Portuguese.