Axos Bank · Bank
Axos Bank
Review published mortgage options and requirements, then request a personalized quote from the lender.
Availability: Subject to underwriting and program guidelines.
At a glance
- Borrower type
- Important Requirements for Nonresident Aliens
- Property use
- Second home
- Credit requirement
- No FICO score is required.
Still to confirm: Reserves.
Our take: Pros & Cons
What we like
- Jumbo loans may finance primary residences, second homes or investment properties, including purchase or refinance.
- Bank-statement, portfolio, fixed-rate, ARM and interest-only options are listed on the jumbo page.
- The foreign-national page accepts foreign reports or satisfactory alternative credit from the country of origin; no FICO score is required for that pathway.
What to consider
- The foreign-national source expressly states second-home LTV limits; do not assume the same pathway covers primary residences or investments.
- The foreign-national pathway requires a valid visa, valid passport and second ID, plus a valid Social Security card or personal ITIN at application.
- Income documentation, credit references or foreign credit report, and seasoned assets at a verifiable institution are required for nonresident aliens; foreign-language documents need certified translation.
AI-generated lender-level assessment based on published information. Not a verified assessment of Home Loans for Foreign Nationals; confirm program-specific conditions below.
Additional lender considerations
- Asset-utilization, pledged-asset and cross-collateralization features are listed for jumbo financing.
- The reviewed jumbo page contains an undated conforming-limit example; confirm current program loan limits and underwriting with Axos.
- Request current rates, APR, fees and a Loan Estimate for the exact program; approval is not guaranteed.
Newcomer requirements
Home Loans for Foreign Nationals
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- SSN
- Conditional. Conditional — check the published conditions
- ITIN
- Accepted. Second Home: 65% LTV to $3 million and 50% LTV to $5 million.
- Foreign credit history
- Accepted. Two non-traditional credit references (covering most recent 12-month period) or Foreign Credit Report (covering two credit references covering most recent 12-month period)
- Residency / visa
- Important Requirements for Nonresident Aliens · Valid Visa
- Minimum credit score
- No FICO score is required.
- Income documentation
- Published conditions apply. Read the full lender requirements below before applying.
- Occupancy
- Second home
View full lender requirements
- SSN
- Conditional — check the published conditions
- ITIN
- Second Home: 65% LTV to $3 million and 50% LTV to $5 million.
- Foreign credit history
- Two non-traditional credit references (covering most recent 12-month period) or Foreign Credit Report (covering two credit references covering most recent 12-month period)
- Residency / visa
- Important Requirements for Nonresident Aliens · Valid Visa
- Minimum credit score
- No FICO score is required.
- Income documentation
- Income documentation. Two non-traditional credit references (covering most recent 12-month period) or Foreign Credit Report (covering two credit references covering most recent 12-month period) Seasoned assets in a known verifiable financial institution. If the documentation is in a foreign language, it needs to be translated by a certified translator. Identification Requirements for Nonresident Aliens Valid Visa A valid passport and a second form of ID. Valid Social Security Card or Valid Personal ITIN Number must be provided at application.
- Occupancy
- Second home
- Other conditions
- Second Home: 65% LTV to $3 million and 50% LTV to $5 million.
Questions to confirm with the lender (9)
These requirements have not been verified for this program:
- U.S. credit history
- No credit history
- Minimum down payment
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
- State restrictions
- Property restrictions
Requirements last reviewed: Oct 24, 2026 · Official requirements source
Rates and costs
Home Loans for Foreign Nationals
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
Home Loans for Foreign Nationals
- Income documentation. Two non-traditional credit references (covering most recent 12-month period) or Foreign Credit Report (covering two credit references covering most recent 12-month period) Seasoned assets in a known verifiable financial institution. If the documentation is in a foreign language, it needs to be translated by a certified translator. Identification Requirements for Nonresident Aliens Valid Visa A valid passport and a second form of ID. Valid Social Security Card or Valid Personal ITIN Number must be provided at application.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Axos Bank advertises jumbo and super-jumbo financing with portfolio, bank-statement and interest-only options. A separate foreign-national pathway publishes second-home LTV limits and accepts foreign or alternative credit without a FICO score, subject to visa, identification, income and asset documentation. Confirm the applicable program and personalized pricing.
Legal lender: Axos Bank
Lending channel: Direct lending, Through mortgage brokers, Correspondent lending
Provider type: Bank
Lending channels: Direct lending, Through mortgage brokers, Correspondent lending. Origination status: Not stated.
NMLS identifier: 524995
More lender directory information
Direct application information ↗
Correspondent lending information ↗
Subject to underwriting and program guidelines.
Directory verified: 2026-10-24 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 24, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.