Expat Financing
Americans working overseas who still want a foothold back home.
- NMLS #412470
- Equal Housing Lender
- STELLAR rated on Experience.com
- Serving borrowers nationwide
Living abroad shouldn’t cost you a mortgage. We structure financing around foreign employment, foreign-currency income, and time-zone-friendly closings so you can buy or refinance from anywhere.
What makes it work
Go deeper — guides from Pat
Expat Financing, explained properly.
The expat paradox
You’re a U.S. citizen with a strong income and a clean history — and the moment you take a job abroad, the conventional mortgage machine stops recognizing you. Foreign employer, foreign paycheck, sometimes foreign currency: each one trips a wire in agency underwriting. Expat financing exists because none of those things actually make you a riskier borrower. The loan is built to read your overseas career the way a sensible person would — as a career.
How your foreign income becomes a U.S. approval
Your employment contract, pay records, and bank statements do the work your W-2 would have done. Foreign-currency income is converted at documented rates and averaged sensibly, and overseas assets count toward reserves. If you’ve kept a U.S. credit file alive, that helps — but a thin U.S. file after years abroad isn’t a dealbreaker. The underwriting question is simple: is the income real, stable, and sufficient? If the answer is yes, the passport stamp on your paycheck doesn’t change it.
Buying the home before the homecoming
Most of my expat clients are solving a timing problem: they want to own the house before they move back — or keep a foothold that earns rent until they do. Both work. You can buy a future primary residence, a second home for stateside visits, or an investment property that a tenant carries while you’re abroad. Closings are coordinated across time zones with remote signing, so the deal doesn’t wait for your next trip home.
Sound like you? Then this is your program.
The returning family
Two more years on the assignment, kids starting school in the fall of your return — the house gets bought now, at today’s price.
The foothold keeper
Renting out a U.S. property while abroad so there’s always a home — and an asset — waiting on this side of the ocean.
The global professional
Paid in euros, dirhams, or dollars offshore — a career that moves between countries and a mortgage that keeps up.
The numbers, straight.
U.S. citizens & green-card holders
Foreign employer & currency OK
Often 10–20%
Primary, second home, investment
Helpful, thin files workable
Fully remote, time-zone friendly
Overseas assets count
Ranges reflect typical scenarios and vary with the full file — they’re a starting point, not a quote or a commitment to lend. Pat will give you real numbers for your situation.
From first call to closing table.
Book a free call
Fifteen minutes with Pat. Your situation in plain English — no forms marathon, no obligation.
Get your real numbers
The program that fits, the terms you'd actually see, and a document list built for your file — not a generic checklist.
Close with confidence
Pat drives the file to the closing table and keeps you ahead of every deadline while you plan the move.
“What made my experience so stellar was Pat Villano. He is exceptional with prompt and clear communication. He works long hours to meet your needs. A rare find these days. Thank you, Pat!”
The questions everyone asks.
Your pay is converted at documented exchange rates and averaged over time, just like variable income at home. Stable foreign salary reads as stable income — the currency doesn’t discount it.
No. A thin-but-clean U.S. file after years overseas is a known expat pattern, and programs exist that weigh your foreign banking history and the overall file instead of punishing the gap.
Yes — buying it as an investment now and converting it to your primary residence when you return is one of the most common expat plays. The rent can even carry the qualification.
Yes — foreign employment income counts, including salary paid in a foreign currency. We document it with your employment contract and pay records, then convert it properly so underwriting sees your real earning power.
No. I coordinate remote closings around your time zone — documents can be signed abroad through approved channels. Plenty of my expat clients have bought or refinanced without a trip home.
Any of them: a primary residence for your return, a second home, or an investment property that earns while you’re away. The program flexes to the plan, not the other way around.
Have a different question? Read the full FAQ or call Pat directly.
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