The U.S. real estate market offers incredible opportunities for international buyers — and Contour Mortgage makes it easier than ever to participate.
With Foreign National Loan Programs, non-U.S. citizens can purchase or refinance property in the United States without a Social Security number or U.S. credit history. These programs are designed to support global investors, expatriates, and international buyers looking to own or invest in American real estate.
Program highlights:
- No U.S. credit score required – Qualify using international credit references, bank statements, or asset documentation.
- Cash-out and investment options available – Use your equity or purchase income-generating property.
- Overseas assets may count toward reserves – Demonstrate financial stability using funds held abroad.
Whether you’re buying a vacation home, investment property, or expanding your portfolio, Tim and Liz Serratt provide the personalized guidance and seamless process you need to invest with confidence — from anywhere in the world.
Disclaimer: Non-QM (non-qualified mortgage) loans are designed for borrowers who may not meet standard agency or government guidelines. These loans may have higher interest rates, fees, down payment and reserve requirements than traditional conforming or government-insured loans and are not eligible for purchase or guarantee by Fannie Mae, Freddie Mac, FHA, VA, or USDA. Program terms, conditions, and availability are subject to change without notice. Not all applicants will qualify.
What our Clients say
Trusted by families across the Treasure Coast.
Tim at Contour Mortgage is a star! He is incredibly professional and knowledgeable. He explained all of the different mortgage options for my financial profile, walked me through the process step by step, was available 24/7 pretty much…he definitely knows how to make his clients feel like a priority. We closed in 24-days which is not the norm and I credit Tim and his team for being focused on getting us to closing quickly and efficiently. I’m incredibly grateful for their help. Can’t say enough great things.
I wanted to take a moment to thank Tim Serrat and the Contour Mortgage Team for the excellent job they did leading to purchase of my new home in Satellite Beach. Tim did an outstanding job from day one. He got me the best finance rate, explained the entire process and walked me through every step of the way. Everything happened exactly like he promised with no surprises. Tim was super responsive answering calls and clarifying any questions. To top it off he connected me with the home insurance company that ended up providing the best quote and coverage I could find. I highly recommend Tim Serrat and Contour Mortgage to anyone looking to finance or re-finance their home.
From the very first meeting with Tim I could tell he truly listened and cared about my situation he made the whole process of applying for a mortgage seem pretty easy even though I’m a single mom and the last time I bought a house was 10 years ago! Everybody at Contour mortgage is kind and helpful so glad I trusted first Scott and Janice Reynolds to even believe it was possible and then Tim made it a reality!!! Thank you to Sarah my realtor she’s a sweetheart looking at houses can be exhausting but we did it together smiling even laughing sometimes at the process of trying to find the right house for me. I highly recommend Contour Mortgage excellent team!!