If you’re a foreign national in South Florida and looking for some quick cash to refinance or purchase a property, Titan Funding can help. We offer flexible programs for hard money loans for foreign nationals to help them achieve their real estate goals. Whether you’re looking to buy a vacation home or investment property, we can help you get the funds you need. If you’re in a time crunch and need money quickly, a hard loan could be the right choice. Titan Funding also helps you skip the complicated conventional loan process here in South Florida. If you’re looking to secure funding to buy a property in the South Florida area but aren’t a U.S. citizen, a foreign national loan could be the answer. Banks and mortgage companies generally finance properties in the U.S. Titan Funding is a private money lender, which means we provide investment and mortgage opportunities to foreign nationals who wish to refinance or purchase a home in the U.S. Getting approved for a traditional mortgage can be challenging for foreign nationals since there’s no effective underwriting process available to determine whether a foreign borrower qualifies for a loan. This causes many lenders to deny the loan from the start. Sometimes, the many burdensome requirements mean it becomes effectively impossible to get everything you need to be approved. Foreign national loans take the stress away and can help you quickly get the money you need. Receive More Info About Foreign National Loans Many international citizens want to invest in or purchase real estate in the U.S., as property in the country is considered a stable and valuable asset. There are additional advantages of securing a foreign national loan. A loan of this nature allows you to: Hard money loans are a type of bridge loan that a person can use to purchase or refinance a property. You can also use them to pay for renovations or other home improvements. A hard money loan is asset-based, which means it’s backed by real estate or other assets rather than based on your credit history and score. Private lenders, such as Titan Funding, are among those who issue hard money loans. Interest rates on a hard money loan are fixed, so you can plan and know what you’ll need to pay each month. You may seek funds from a hard money loan for several reasons. The most popular reason is how quickly you can acquire funds through this loan. Where a conventional loan may take weeks or even months to approve, a hard money loan is typically approved much faster, with funds on their way to your account in as little as two weeks. The quick turnaround on a hard money loan often allows investors to purchase highly sought-after properties without delay. You also can secure a hard money loan without having a high credit score. Lenders, such as Titan Funding, can still provide quick funds if you can back the loan with a physical asset, such as real estate. Hard money loans’ more lenient criteria allow more people to secure approval for them, as long as they have assets against which to secure the loan. This is handy if you cannot prove your income but have value in possessions or real estate property. As a foreign national, you may feel limited in your options for obtaining a mortgage in the U.S. Conventional loan companies have stringent requirements, and non-nationalized residents of the U.S. often lack the necessary documentation to secure this type of funding. You’ll need credit reports with a good history, sufficient proof of income in the U.S. and your home country, and other financial documentation. You probably don’t have many other options if you cannot provide this documentation. Being a hard money lender in the U.S means we can provide foreign nationals with the opportunity and funding they need. The dedicated team at Titan Funding is here to help foreign nationals secure the funding they want for their property purchase. Titan Funding is a private money lender. We provide borrowers and investors from around the South Florida area and beyond with a chance to maximize your potential by giving you hard money loan options. Our experienced team of banking professionals has decades of experience in foreign national loans and much more. We offer a safe, straightforward approach to lending for individuals that other types of lenders may not approve for a conventional loan. Your dreams of property ownership in the U.S. aren’t over, and you don’t have to waste your time trying to get approved for other means of money. Titan Lending can get you approved quickly and without hassle. We’ll tell you more about your options and answer any questions you have while guiding you through the process. If you’re searching for a foreign national loan, you can get your hard money quickly with Titan Funding. Our experienced loan professionals specialize in securing loans as diverse as our borrowers. We’re a private hard money lender located in South Florida, and we can help you acquire the funds you need quickly. We offer a powerful alternative to the traditional lending services you’ll find elsewhere. Contact our team at Titan Funding today if you’re ready to explore your options, including a hard money loan. Our team of investment professionals is here to help you throughout the entire process. Whether you’re a business owner, investor, or an individual looking to meet your financial or real estate needs, we’re here to assist you. The experts at Titan Funding look forward to helping you make your South Florida property dreams a reality.Foreign National Loans
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Frequently Asked Questions - FAQ
TL;DR: Titan Funding offers hard‑money loans for foreign nationals purchasing or refinancing property in South Florida. These asset‑based loans bypass traditional underwriting hurdles and provide quick access to funds, making them ideal for non‑U.S. citizens seeking real‑estate investments.
What is private money lending?
Private money lending refers to financing provided by individuals or non‑bank entities for real‑estate investments. These loans are asset‑based rather than credit‑based and usually have short terms with higher interest rates compared with traditional bank loans.
How do I qualify for a real‑estate investment loan through Titan Funding?
Titan Funding evaluates the property’s value and the loan‑to‑value ratio rather than focusing on credit scores. Maintaining an LTV around 60 % and providing a clear plan for the investment increases your chances of approval.
What documents are needed for hard‑money loans?
Documentation typically includes proof of property ownership or purchase contracts, appraisals, and, for construction loans, detailed plans and budgets. Because underwriting is asset‑based, credit documentation is less critical than in conventional lending.
How quickly can I get funded for a property in Florida?
Titan Funding’s underwriting process usually takes about 48 hours, and approved borrowers can receive funds within four days for hard‑money, rental or bridge loans. Some commercial bridge loans provide funding in as little as 10 days.
Does Titan Funding lend to foreign nationals?
Yes. Titan Funding offers hard‑money programs for non‑U.S. citizens seeking to buy or refinance property in South Florida, using asset‑based underwriting to bypass conventional loan barriers.
What types of loans does Titan Funding offer?
The company provides various short‑ and long‑term real‑estate loans, including hard‑money and bridge loans, residential and commercial bridge loans, multifamily financing, fix‑and‑flip loans, rental property loans, ground‑up construction loans, bridge‑to‑permanent loans and cash‑out refinance options.
How does LTV work in real‑estate loans?
Loan‑to‑value ratio is calculated by dividing the loan amount by the appraised value of the property. Lenders, including Titan Funding, set maximum LTV thresholds (often around 60 % for hard‑money loans) to manage risk.
Which states does Titan Funding serve?
Titan Funding primarily serves Florida but may authorize loans in other states on a case‑by‑case basis. Applicants can discuss their specific property and location with the company’s professionals.
How do I calculate return on investment (ROI) for fix‑and‑flip projects?
ROI is determined by subtracting total costs (purchase price, renovation expenses, loan interest and fees) from the final sale price, then dividing the result by total costs. Titan Funding’s guide on calculating fix‑and‑flip ROI emphasizes factoring in loan terms and interest to evaluate profitability.
What are the risks of hard‑money loans?
Hard‑money loans carry higher interest rates (often 10 %–15 %) and points compared with traditional financing. They are short term, so borrowers need a clear exit strategy and must account for appraisal and origination fees in their budgets.
What is a foreign national loan?
Foreign national loans are hard‑money loans designed for non‑U.S. citizens who want to purchase or refinance property in the United States. They are provided by private lenders like Titan Funding rather than banks.
Why are foreign national loans necessary?
Traditional mortgages are difficult for foreign nationals because there is no standard underwriting framework for non‑resident borrowers. Hard‑money lenders use asset‑based criteria instead of extensive credit histories, allowing foreign borrowers to access U.S. real‑estate opportunities.
What are the advantages of a foreign national loan?
Benefits include the ability to purchase higher‑value properties, reduced risk compared with paying cash, and flexible hard‑money programs that provide quick funding. Borrowers can secure loans without having a high credit score as long as they can pledge assets as collateral.
How fast can foreign nationals receive funding?
Hard‑money loans are known for quick approvals, often with funds available within weeks. This speed enables foreign investors to compete in competitive real‑estate markets.
What documentation is required?
Unlike conventional loans requiring extensive credit reports and income verification, foreign national loans rely on proof of assets to secure the loan. Borrowers work with Titan Funding’s team to understand any additional requirements.
How does Titan Funding support foreign national borrowers?
Titan Funding’s experienced banking professionals specialize in foreign national lending. The team guides borrowers through the process, explains available programs and provides quick funding options to help foreign investors achieve their U.S. property goals.