Empowering International Buyers with Smart Financing

Foreign National Loans are designed to help non-U.S. citizens achieve property ownership in the United States with ease and confidence. This program provides accessible financing solutions for those who wish to buy a vacation home, invest in real estate, or expand their global portfolio. Unlike traditional loans, Foreign National Loans focus on international credit and assets, making U.S. property ownership a reality for clients around the world.
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Simplified Qualification for Global Borrowers

Foreign National Loans eliminate many of the challenges faced by non-residents when purchasing property in the United States. There’s no need for a U.S. credit score or local employment — instead, we use international financial records, income statements, and asset documentation to qualify applicants. At Joseph Gillis, we value the financial strength and credibility you’ve built abroad. Our loan specialists collaborate with trusted lenders to create smooth, transparent processes that prioritize your comfort and confidence while securing the right financing for your goals.
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Flexible Loan Options for Every Property Type

Whether you’re purchasing a second home, an investment property, or a long-term residence, Foreign National Loans offer flexible financing solutions tailored to your needs. This program supports a wide range of property goals, allowing you to establish a meaningful footprint in the U.S. real estate market. Our team at Joseph Gillis structures every loan to align with your investment strategy, helping you obtain favorable terms and sustainable repayment options. We’re here to turn your property aspirations into a solid financial opportunity.
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Benefits of Foreign National Loans

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Accepts international income and asset documentation

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No U.S. credit or income verification required

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Applicable for residential, vacation, or investment properties

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Expert guidance through every stage of the loan process
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Dedicated Support from Start to Finish

Navigating real estate transactions in a different country can feel overwhelming, but our team provides the clarity and care you deserve. From understanding eligibility requirements to managing closing details, Joseph Gillis ensures that your experience is smooth, compliant, and stress-free. We work side by side with international buyers, offering clear communication, cultural understanding, and professional insight every step of the way. Your success is our top priority, and we’re committed to helping you make informed, confident decisions.
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Why Choose Us

At Joseph Gillis, we believe that securing a home loan should be more than a transaction — it should be a personalized experience built on trust, transparency, and care. Our team is dedicated to guiding you through every step of your homeownership journey with clear communication, expert advice, and tailored solutions designed around your goals. Whether you’re buying your first home, refinancing, or investing, we make the process seamless, stress-free, and centered on your success.

We are known for

Personalized Lending Solutions – Every client’s financial journey is unique, and we tailor loan programs to match your exact needs, goals, and lifestyle.

Transparent and Honest Guidance – We believe in complete clarity throughout the mortgage process, ensuring you understand every option and decision with confidence.

Fast and Efficient Closings – Our streamlined process and dedicated team help you move from application to approval quickly and smoothly.

Expertise Across All Loan Types – From Conventional and FHA to DSCR, Non-QM, and Foreign National Loans, we provide expertise across every mortgage solution.

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Why Choose Rapid Closing?

Choosing the right mortgage partner can make all the difference in your homeownership journey. At Rapid Closing, we combine speed, expertise, and personalized care to deliver financing solutions that are tailored to your goals. Whether you’re a first-time home buyer, refinancing, or exploring specialized programs, our team is dedicated to making the process smooth, transparent, and stress-free. With Rapid Closing, you’re not just getting a loan—you’re gaining a trusted partner who stands by you every step of the way.

We are known for

Fast & Reliable Closings – Streamlined processes that save you time and stress.

Wide Range of Loan Programs – From FHA and VA to DSCR, Jumbo, and USDA loans.

Personalized Guidance – Clear, step-by-step support with dedicated loan specialists.

Flexible Solutions – Options designed for first-time buyers, investors, and unique situations.

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"FAQs"

A VOE (Verification of Employment) Only Loan is a mortgage program that allows borrowers to qualify based solely on employment verification instead of traditional income documents like tax returns or pay stubs. It’s designed for individuals with stable jobs who may have complex financial situations or prefer a simplified approval process.

At Joseph Gillis, we provide a wide range of mortgage programs to fit different financial needs and lifestyles. Our loan options include FHA, VA, Conventional, Jumbo, DSCR, Non-QM, Bank Statement, Hard Money, Home Equity, VOE Only, Foreign National, First-Time Home Buyer, and Refinance loans. Each program is designed to help clients achieve their homeownership or investment goals with confidence.

Our team takes a personalized approach to every client. We evaluate your financial situation, long-term goals, and property type to recommend the most suitable loan option. Whether you’re self-employed, a veteran, a first-time buyer, or an investor, Joseph Gillis provides tailored mortgage solutions that work best for your circumstances.

What sets us apart is our commitment to honesty, transparency, and results. We combine modern lending solutions with personalized guidance to make the mortgage process simple, fast, and stress-free. At Joseph Gillis, you’re not just another loan file — you’re a valued client, and we’re dedicated to finding the perfect financing fit for your goals.

Yes, absolutely. We specialize in helping clients with various income situations — including self-employed individuals, investors, and foreign nationals. Through programs like Bank Statement Loans, VOE Only Loans, and Non-QM Loans, Joseph Gillis ensures that even those with non-traditional income can access the financing they deserve.

Expanding Global Investment Horizons

Investing in U.S. real estate offers long-term financial growth and portfolio diversification for global investors. With a Foreign National Loan, you can build wealth, earn returns, and establish a secure foothold in one of the world’s strongest real estate markets. At Joseph Gillis, we help you seize global opportunities through innovative mortgage solutions. Our expertise bridges international finance and American homeownership, making your investment not just possible, but profitable and secure.