International buyers can purchase property in the United States. Financing options differ, so talk to a lender early, open a local bank account, understand tax obligations and use a licensed attorney or title company for closing. Remote closings are common.
Financing options
Some lenders offer programs for buyers without U.S. credit history, usually with larger down payments. Cash purchases are simpler but require documentation of funds.
Documents to prepare
- Passport and visa documents
- Proof of funds with translations if needed
- A U.S. bank account for earnest money
- A power of attorney if you cannot attend closing
Taxes and insurance
Consult a tax professional about U.S. and home-country obligations. Plan for insurance, property taxes and ongoing maintenance, and consider a property manager if you will be away.
Closing remotely
Title companies can coordinate remote signing with notaries. Verify wire instructions by phone and never act on emailed changes. See the closing timeline.
Frequently asked questions
Can I buy without living here?
Yes. Lending and tax rules differ for second homes and investments.
Is a local agent needed?
A local agent helps with market knowledge and coordination.
Sources
- Your local assessor, recorder or municipal office (confirm current rules)
- A licensed attorney, tax professional or lender for your situation
- The local MLS and your Northfield Realty agent for current market conditions
Talk with a Northfield agent
Whether you are buying, selling or just exploring, we are happy to answer questions. No pressure, just good advice.
This article is general information, not legal, tax or financial advice. Programs, rates and regulations change; please confirm details with a licensed professional. Northfield Realty is committed to the Fair Housing Act and equal opportunity in housing. Back to all articles.