{"id":20962,"date":"2025-07-21T03:00:40","date_gmt":"2025-07-21T03:00:40","guid":{"rendered":"https:\/\/www.americamortgages.com\/?p=20962"},"modified":"2026-01-13T06:44:11","modified_gmt":"2026-01-13T06:44:11","slug":"korean-citizens-u-s-mortgage","status":"publish","type":"post","link":"https:\/\/www.americamortgages.com\/korean-citizens-u-s-mortgage\/","title":{"rendered":"Can Koreans Obtain a Mortgage in the US in 2025?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Korean citizens are legally allowed to buy and finance U.S. investment property, even without U.S. residency, credit history, or a Social Security Number. This article explains how Korean nationals obtain U.S. mortgages, the <a href=\"https:\/\/www.americamortgages.com\/wp-content\/uploads\/2023\/03\/America-Mortgages-Loan-Handbook_2-Feb-compressed.pdf\">loan options<\/a> available to non-resident investors, and the documents required to finance rental property in the United States.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What Korean Investors Will Learn<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Whether Korean citizens can legally buy and finance U.S. property<\/li>\n\n\n\n<li>Mortgage options available without U.S. credit or residency<\/li>\n\n\n\n<li>Down payment and LTV rules for Korean nationals<\/li>\n\n\n\n<li>How rental income is used to qualify for U.S. mortgages<\/li>\n\n\n\n<li>Common mistakes Korean buyers should avoid<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Are You a Korean Investor Looking to Buy Property in the United States?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You&#8217;re not alone. A growing number of Korean real estate investors are turning to the U.S. property market to diversify their portfolios and capitalize on strong rental yields and long-term appreciation. With no citizenship restrictions and access to specialized financing, buying U.S. investment properties has never been more achievable, even as a non-resident.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Can Korean Citizens Buy Investment Property in the U.S.?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. Korean citizens are legally allowed to purchase residential investment properties in the United States. You do not need a U.S. visa, Green Card, Social Security Number, or U.S. credit&nbsp; to own or finance rental property with up to 75%LTV in all 50 U.S. States.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are no ownership restrictions on foreign national Koreans. The key to purchasing U.S. real estate as a non-resident is finding the right lender that specializes in foreign national investment loans. <a href=\"https:\/\/www.americamortgages.com\">America Mortgages<\/a>\u2019 with Korean speaking loan officers can guide you through the process with ease and execution.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Understanding U.S. Investment Property Mortgages for Non-Residents<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mortgage options in the U.S. differ greatly from Korea, especially when financing as a non-resident. Here&#8217;s what Korean investors should know:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Key Factor<\/strong><\/td><td><strong>United States (for Korean Investors)<\/strong><\/td><\/tr><tr><td>Property Type<\/td><td>Investment properties only<\/td><\/tr><tr><td>Loan-to-Value (<a href=\"https:\/\/www.investopedia.com\/terms\/l\/loantovalue.asp\" target=\"_blank\" rel=\"noopener\">LTV<\/a>)<\/td><td>Up to 75% (80% US passport)<\/td><\/tr><tr><td>Income Requirement<\/td><td>Not required (DSCR loan options)<\/td><\/tr><tr><td>U.S. Credit Score<\/td><td>Not required<\/td><\/tr><tr><td>Prepayment Penalties<\/td><td>Depends on the loan<\/td><\/tr><tr><td>Tax Benefits<\/td><td>Mortgage interest may be deductible<\/td><\/tr><tr><td>Loan Terms<\/td><td>Fixed and adjustable up to 30 years regardless of the borrower\u2019s age<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Unlike in Korea, where personal income and national credit systems dominate mortgage approvals, many U.S. lenders use property performance (rental income) to qualify foreign investors. This gives Korean citizens with no U.S. income or credit the opportunity to finance properties.<\/p>\n\n\n\n<div class=\"buttons\" style=\"margin-top:20px;\">\r\n<a id =\"inline-article-btn\" class=\"button common-button\" href=\"\/contact\">Contact Us<\/a>\r\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Required Documents for Korean Nationals Financing U.S. Investment Properties<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Foreign national loans for investment property purchases typically require minimal documentation:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Valid Korean passport<\/li>\n\n\n\n<li>Proof of available funds (for down payment and closing costs)<\/li>\n\n\n\n<li>3\u20136 months of bank statements (domestic or offshore)<\/li>\n\n\n\n<li>Purchase contract (if property already identified but not required for free pre-approval)<\/li>\n\n\n\n<li>No U.S. credit history required<\/li>\n\n\n\n<li>No tax returns or personal income documentation needed<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">America Mortgages, as a lender and super broker, uses common sense underwriting and focuses on the property\u2019s expected or current rental income, not your salary or employment. Properties do not need to be rented before the completion of the loan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Best Mortgage Options for Korean Investment Buyers<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">1. Foreign National Investment Loan<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">This loan is specifically designed for non-U.S. citizens with no Social Security Number, no visa, and no U.S. income. It offers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>25% down payment<\/li>\n\n\n\n<li>No personal income documentation<\/li>\n\n\n\n<li>Loans for condos, single-family rentals, and multifamily properties<\/li>\n\n\n\n<li>Available in all 50 US States<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">2. DSCR (Debt Service Coverage Ratio) Loan<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">This is America Mortgages\u2019 <a href=\"https:\/\/www.americamortgages.com\/guide-to-dscr-loans\/\">go-to mortgage<\/a> for international investors. Eligibility is based on whether the property\u2019s projected rental income can cover the mortgage payments (typically a DSCR \u2265 1.0).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Benefits include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No personal or business income verification<\/li>\n\n\n\n<li>No U.S. credit history required<\/li>\n\n\n\n<li>Flexible underwriting standards<\/li>\n\n\n\n<li>Works great for rental-focused buyers<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">3. Portfolio Loans<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">These are custom loans held by private lenders, not sold to Fannie Mae or Freddie Mac, which allows flexibility in underwriting. Best for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Unique or high-value investment properties<\/li>\n\n\n\n<li>Borrowers with complex asset structures<\/li>\n\n\n\n<li>Korean investors using LLCs<\/li>\n<\/ul>\n\n\n\n<div class=\"buttons\" style=\"margin-top:20px;\">\r\n<a id =\"inline-article-btn\" class=\"button common-button\" href=\"\/contact\">Contact Us<\/a>\r\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Why Work with America Mortgages?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">As with everything you do in your life &#8211; always work with an expert and an industry leader. America Mortgages is just that! As the industry leader in providing U.S. mortgage solutions to international investors, including Korean nationals. Their <a title=\"foreign national mortgage\" href=\"https:\/\/www.americamortgages.com\/foreign-national-overseas\/\"><strong>foreign national mortgage<\/strong><\/a> program is designed exclusively for property investors, not residents or first-time buyers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Email: <a href=\"mailto:hello@americamortgages.com\">hello@americamortgages.com<\/a><br>Website:<a href=\"https:\/\/www.americamortgages.com\"> www.americamortgages.com<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ready to take the next step? Use their 24\/7 online booking tool to schedule a no-obligation consultation with a licensed U.S. mortgage advisor who understands the needs of Korean investors.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q1: Can Korean citizens buy property in the U.S.?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A: <\/strong>Yes, Korean citizens can legally purchase residential investment properties in the U.S. without needing a U.S. visa, Green Card, Social Security Number, or U.S. credit history.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q2: What is the maximum Loan-to-Value (LTV) ratio for Koreans?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A: <\/strong>Korean nationals can secure financing with up to a 75% LTV ratio, meaning they can borrow up to 75% of the property&#8217;s value.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q3: Is a U.S. credit score required for Korean investors?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A: <\/strong>No, a U.S. credit score is not necessary. Lenders often use the property&#8217;s rental income to qualify foreign investors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q4: What documents are needed to apply for a mortgage?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A:<\/strong> Typically, minimal documentation is required, such as a valid passport, bank statements, and proof of available funds for the down payment and reserves.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q5: Are there any ownership restrictions for Korean nationals?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A: <\/strong>No, there are no ownership restrictions for Korean nationals. They can own and finance rental property in all 50 U.S. states.<\/p>\n\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [{\n    \"@type\": \"Question\",\n    \"name\": \"Can Korean citizens buy property in the U.S.?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Yes, Korean citizens can legally purchase residential investment properties in the U.S. without needing a U.S. visa, Green Card, Social Security Number, or U.S. credit history.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"What is the maximum Loan-to-Value (LTV) ratio for Koreans?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Korean nationals can secure financing with up to a 75% LTV ratio, meaning they can borrow up to 75% of the property's value.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"Is a U.S. credit score required for Korean investors?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"No, a U.S. credit score is not necessary. Lenders often use the property's rental income to qualify foreign investors.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"What documents are needed to apply for a mortgage?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Typically, minimal documentation is required, such as a valid passport, bank statements, and proof of available funds for the down payment and reserves.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"Are there any ownership restrictions for Korean nationals?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"No, there are no ownership restrictions for Korean nationals. They can own and finance rental property in all 50 U.S. states.\"\n    }\n  }]\n}\n<\/script>\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BlogPosting\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.americamortgages.com\/can-koreans-obtain-a-mortgage-in-the-us-in-2025\/\"\n  },\n  \"headline\": \"Can Koreans Obtain a Mortgage in the US in 2025?\",\n  \"description\": \"Are you a Korean investor aiming to buy U.S. property? America Mortgages offers expert mortgage solutions tailored for international buyers.\",\n  \"image\": \"https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Korea.jpg\",  \n  \"author\": {\n    \"@type\": \"Organization\",\n    \"name\": \"America Mortgages\",\n    \"url\": \"https:\/\/www.americamortgages.com\/\"\n  },  \n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"America Mortgages\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/www.americamortgages.com\/wp-admin\/images\/gmg-logo.svg\"\n    }\n  },\n  \"datePublished\": \"2025-07-21T08:00:00+00:00\"\n}\n<\/script>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">\ubbf8\uad6d\uc5d0\uc11c \ud55c\uad6d \uc2dc\ubbfc\uc774 \ubaa8\uae30\uc9c0\ub97c \ubc1b\uc744 \uc218 \uc788\uc744\uae4c\uc694?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\ubbf8\uad6d \ubd80\ub3d9\uc0b0\uc5d0 \ud22c\uc790\ud558\uace0 \uc2f6\uc740 \ud55c\uad6d \ud22c\uc790\uc790\uc774\uc2e0\uac00\uc694?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ub2f9\uc2e0\ub9cc \uadf8\ub7f0 \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uc548\uc815\uc801\uc778 \uacbd\uc81c, \ub192\uc740 \uc784\ub300 \uc218\uc775\ub960, \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uac00\uce58 \uc0c1\uc2b9 \ub355\ubd84\uc5d0 \uc810\uc810 \ub354 \ub9ce\uc740 \ud55c\uad6d \ubd80\ub3d9\uc0b0 \ud22c\uc790\uc790\ub4e4\uc774 \ubbf8\uad6d \uc2dc\uc7a5\uc73c\ub85c \ub208\uc744 \ub3cc\ub9ac\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br>\uc2dc\ubbfc\uad8c \uc81c\ud55c\ub3c4 \uc5c6\uace0, \uc678\uad6d\uc778\uc744 \uc704\ud55c \uc804\ubb38 \uae08\uc735\uc0c1\ud488\uc5d0 \uc811\uadfc\ud560 \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0 <strong>\ube44\uac70\uc8fc\uc790 \uc2e0\ubd84\uc73c\ub85c\ub3c4 \ubbf8\uad6d \ubd80\ub3d9\uc0b0\uc744 \uad6c\ub9e4\ud558\ub294 \uac83\uc774 \uadf8 \uc5b4\ub290 \ub54c\ubcf4\ub2e4 \uc218\uc6d4\ud574\uc84c\uc2b5\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774 \uac00\uc774\ub4dc\ub294 <strong>\ud55c\uad6d \uad6d\uc801\uc790\uac00 \ubbf8\uad6d \ud22c\uc790 \ubd80\ub3d9\uc0b0\uc744 \uc704\ud574 \ubaa8\uae30\uc9c0\ub97c \ubc1b\ub294 \ubc29\ubc95<\/strong>, <strong>\ud544\uc694\ud55c \uc11c\ub958<\/strong>, \uadf8\ub9ac\uace0 <strong>\ube44\uac70\uc8fc\uc790\uc5d0\uac8c \uc801\ud569\ud55c \uc8fc\uc694 \ub300\ucd9c \uc635\uc158<\/strong>\uc744 \uc548\ub0b4\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud55c\uad6d \uc2dc\ubbfc\uc774 \ubbf8\uad6d\uc758 \ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0\uc744 \uad6c\ub9e4\ud560 \uc218 \uc788\ub098\uc694?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc608, \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/strong><strong><br><\/strong>\ud55c\uad6d \uc2dc\ubbfc\uc740 \ubbf8\uad6d \ub0b4 \uc8fc\uac70\uc6a9 \ud22c\uc790 \ubd80\ub3d9\uc0b0\uc744 <strong>\ubc95\uc801\uc73c\ub85c \uad6c\ub9e4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/strong> \ubbf8\uad6d \ube44\uc790, \uc601\uc8fc\uad8c, \uc18c\uc15c \uc2dc\ud050\ub9ac\ud2f0 \ubc88\ud638 \ub610\ub294 \ubbf8\uad6d \uc2e0\uc6a9 \uc810\uc218 \uc5c6\uc774\ub3c4 <strong>\ucd5c\ub300 75% LTV<\/strong> (\ubbf8\uad6d \uc5ec\uad8c \uc18c\uc9c0 \uc2dc \ucd5c\ub300 80%)\ub85c <strong>\ubaa8\ub4e0 50\uac1c \uc8fc\uc5d0\uc11c<\/strong> \ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0\uc744 \uc18c\uc720\ud558\uace0 \uae08\uc735 \uc9c0\uc6d0\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc678\uad6d \uad6d\uc801\uc790(\ud55c\uad6d\uc778 \ud3ec\ud568)\uc5d0 \ub300\ud55c <strong>\uc18c\uc720\uad8c \uc81c\ud55c\uc740 \uc5c6\uc2b5\ub2c8\ub2e4.<\/strong><strong><br><\/strong>\ud575\uc2ec\uc740 <strong>\uc678\uad6d\uc778 \ud22c\uc790\uc790 \uc804\uc6a9 \ub300\ucd9c\uc744 \uc804\ubb38\uc73c\ub85c \ud558\ub294 \uae08\uc735\uae30\uad00\uc744 \ucc3e\ub294 \uac83<\/strong>\uc785\ub2c8\ub2e4.<br><strong>America Mortgages<\/strong>\ub294 \ud55c\uad6d\uc5b4\ub97c \uad6c\uc0ac\ud558\ub294 \ubaa8\uae30\uc9c0 \ub2f4\ub2f9\uc790\uac00 \uc788\uc5b4, \ud55c\uad6d \ud22c\uc790\uc790\ub4e4\ub3c4 <strong>\uc27d\uace0 \uc815\ud655\ud558\uac8c<\/strong> \ub300\ucd9c \uc808\ucc28\ub97c \uc9c4\ud589\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ube44\uac70\uc8fc\uc790\uc6a9 \ubbf8\uad6d \ud22c\uc790 \ubd80\ub3d9\uc0b0 \ubaa8\uae30\uc9c0 \uc774\ud574\ud558\uae30<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ud55c\uad6d\uacfc \ubbf8\uad6d\uc758 \ubaa8\uae30\uc9c0 \uc2dc\uc2a4\ud15c\uc740 \ud06c\uac8c \ub2e4\ub974\uba70, \ud2b9\ud788 \ube44\uac70\uc8fc\uc790\ub85c\uc11c \uae08\uc735\uc744 \uc2e0\uccad\ud560 \uacbd\uc6b0\uc5d0\ub294 \ub354\uc6b1 \uadf8\ub807\uc2b5\ub2c8\ub2e4. \uc544\ub798\ub294 \ud55c\uad6d \ud22c\uc790\uc790\ub4e4\uc774 \uc54c\uc544\uc57c \ud560 \uc8fc\uc694 \ucc28\uc774\uc810\uc785\ub2c8\ub2e4:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\uc8fc\uc694 \ud56d\ubaa9<\/strong><\/td><td><strong>\ubbf8\uad6d (\ud55c\uad6d \ud22c\uc790\uc790 \uae30\uc900)<\/strong><\/td><\/tr><tr><td>\ubd80\ub3d9\uc0b0 \uc720\ud615<\/td><td>\ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0 \uc804\uc6a9<\/td><\/tr><tr><td>\ub300\ucd9c \ube44\uc728 (LTV)<\/td><td>\ucd5c\ub300 75% (\ubbf8\uad6d \uc5ec\uad8c \uc18c\uc9c0 \uc2dc 80%)<\/td><\/tr><tr><td>\uc18c\ub4dd \uc694\uac74<\/td><td>\ud544\uc694 \uc5c6\uc74c (DSCR \ub300\ucd9c \uac00\ub2a5)<\/td><\/tr><tr><td>\ubbf8\uad6d \uc2e0\uc6a9 \uc810\uc218<\/td><td>\ud544\uc694 \uc5c6\uc74c<\/td><\/tr><tr><td>\uc911\ub3c4\uc0c1\ud658 \uc218\uc218\ub8cc<\/td><td>\ub300\ucd9c \uc0c1\ud488\uc5d0 \ub530\ub77c \ub2e4\ub984<\/td><\/tr><tr><td>\uc138\uc81c \ud61c\ud0dd<\/td><td>\ubaa8\uae30\uc9c0 \uc774\uc790 \uacf5\uc81c \uac00\ub2a5\uc131 \uc788\uc74c<\/td><\/tr><tr><td>\ub300\ucd9c \uae30\uac04<\/td><td>\ucd5c\ub300 30\ub144 \uace0\uc815 \ub610\ub294 \ubcc0\ub3d9 (\uc5f0\ub839 \ubb34\uad00)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\ud55c\uad6d\uc5d0\uc11c\ub294 \uc8fc\ub85c <strong>\uac1c\uc778\uc18c\ub4dd\uacfc \uad6d\ub0b4 \uc2e0\uc6a9\ub4f1\uae09<\/strong>\uc774 \ub300\ucd9c \uc2ec\uc0ac\uc758 \uc911\uc2ec\uc774\uc9c0\ub9cc, \ubbf8\uad6d\uc5d0\uc11c\ub294 <strong>\ubd80\ub3d9\uc0b0\uc758 \uc784\ub300 \uc218\uc775\uc131<\/strong>\ub9cc\uc73c\ub85c \uc678\uad6d \ud22c\uc790\uc790\uc758 \ub300\ucd9c \uc2b9\uc778\uc744 \ubc1b\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<br>\uc989, <strong>\ubbf8\uad6d \ub0b4 \uc18c\ub4dd\uc774\ub098 \uc2e0\uc6a9\uc774 \uc5c6\ub294 \ud55c\uad6d \ud22c\uc790\uc790<\/strong>\ub3c4 \ubd80\ub3d9\uc0b0 \ub300\ucd9c\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud55c\uad6d \uad6d\uc801\uc790\uac00 \ubbf8\uad6d \ud22c\uc790 \ubd80\ub3d9\uc0b0 \ub300\ucd9c\uc744 \ubc1b\uc744 \ub54c \ud544\uc694\ud55c \uc11c\ub958<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0\uc744 \uc704\ud55c \uc678\uad6d\uc778 \ub300\ucd9c\uc740 \ubcf4\ud1b5 \uc11c\ub958 \uc694\uac74\uc774 \ub9e4\uc6b0 \uac04\ub2e8\ud569\ub2c8\ub2e4:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc720\ud6a8\ud55c \ud55c\uad6d \uc5ec\uad8c<\/li>\n\n\n\n<li>\uc0ac\uc6a9 \uac00\ub2a5\ud55c \uc790\uae08 \uc99d\uba85 (\uacc4\uc57d\uae08 \ubc0f \ub9c8\uac10 \ube44\uc6a9 \ud3ec\ud568)<\/li>\n\n\n\n<li>\ucd5c\uadfc 3\u20136\uac1c\uc6d4\uc758 \uc740\ud589 \uac70\ub798 \ub0b4\uc5ed (\uad6d\ub0b4 \ub610\ub294 \ud574\uc678 \uacc4\uc88c)<\/li>\n\n\n\n<li>\ub9e4\ub9e4 \uacc4\uc57d\uc11c (\uc120\ud0dd \uc0ac\ud56d, \uc0ac\uc804 \uc2b9\uc778\uc5d0\ub294 \ubd88\ud544\uc694)<\/li>\n\n\n\n<li>\ubbf8\uad6d \uc2e0\uc6a9 \uc774\ub825 \uc5c6\uc74c \u2192 \ubb38\uc81c \uc5c6\uc74c<\/li>\n\n\n\n<li>\uc138\uae08 \ubcf4\uace0\uc11c\ub098 \uac1c\uc778 \uc18c\ub4dd \uc99d\ube59 \uc5c6\uc74c \u2192 \ubd88\ud544\uc694<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>America Mortgages<\/strong>\ub294 \ub300\ucd9c \uc2ec\uc0ac \uc2dc <strong>\uae09\uc5ec\ub098 \uace0\uc6a9 \uc815\ubcf4\ub97c \ubcf4\uc9c0 \uc54a\uace0<\/strong>, <strong>\uc608\uc0c1 \uc784\ub300 \uc218\uc775<\/strong>\uc744 \uae30\ubc18\uc73c\ub85c \uc2ec\uc0ac\ud569\ub2c8\ub2e4.<br>\uc989, <strong>\uc784\ub300 \uc911\uc774 \uc544\ub2cc \ubd80\ub3d9\uc0b0\ub3c4 \ub300\ucd9c \uc2b9\uc778\uc774 \uac00\ub2a5<\/strong>\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud55c\uad6d \ud22c\uc790\uc790\uc5d0\uac8c \uc801\ud569\ud55c \ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc0c1\ud488<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">1. \uc678\uad6d\uc778 \ud22c\uc790\uc790 \uc804\uc6a9 \ubaa8\uae30\uc9c0 (Foreign National Investment Loan)<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ubbf8\uad6d \uc2dc\ubbfc\uad8c, \ube44\uc790, \uc18c\ub4dd\uc774 \uc5c6\ub294 \ud22c\uc790\uc790 \uc804\uc6a9 \uc0c1\ud488<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud2b9\uc9d5:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ucd5c\uc18c 25% \uacc4\uc57d\uae08<\/li>\n\n\n\n<li>\uac1c\uc778 \uc18c\ub4dd \uc99d\ube59 \uc5c6\uc74c<\/li>\n\n\n\n<li>\ucf58\ub3c4, \ub2e8\ub3c5\uc8fc\ud0dd, \ub2e4\uc138\ub300 \uc8fc\ud0dd \ubaa8\ub450 \uac00\ub2a5<\/li>\n\n\n\n<li>\ubbf8\uad6d 50\uac1c \uc8fc \uc804\uc5ed\uc5d0\uc11c \uc774\uc6a9 \uac00\ub2a5<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc774\ub7f0 \ubd84\uaed8 \ucd94\ucc9c:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ubbf8\uad6d \ub0b4 \uc18c\ub4dd \uc5c6\uc774 \ud574\uc678 \uc790\uc0b0\uc73c\ub85c \ub300\ucd9c \ubc1b\uc73c\ub824\ub294 \ubd84<\/li>\n\n\n\n<li>\ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0 \ub610\ub294 \uc138\ucee8\ub4dc \ud558\uc6b0\uc2a4\ub97c \uad6c\ub9e4\ud558\ub824\ub294 \ubd84<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">2. DSCR \ub300\ucd9c (Debt Service Coverage Ratio)<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>America Mortgages<\/strong>\uc758 \ub300\ud45c \uc0c1\ud488\uc73c\ub85c, \uc784\ub300 \uc218\uc775\uc744 \uae30\uc900\uc73c\ub85c \uc2ec\uc0ac\ud558\ub294 \ub300\ucd9c\uc785\ub2c8\ub2e4.<br><strong>DSCR \u2265 1.0<\/strong>\uc774\uba74 \ub300\ubd80\ubd84 \uc2b9\uc778\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc7a5\uc810:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uac1c\uc778 \ub610\ub294 \uc0ac\uc5c5\uccb4 \uc18c\ub4dd \uc99d\ube59 \ubd88\ud544\uc694<\/li>\n\n\n\n<li>\ubbf8\uad6d \uc2e0\uc6a9\uc810\uc218 \ud544\uc694 \uc5c6\uc74c<\/li>\n\n\n\n<li>\uc720\uc5f0\ud55c \uc2ec\uc0ac \uae30\uc900<\/li>\n\n\n\n<li>\uc784\ub300 \uc218\uc775 \uc704\uc8fc\uc758 \ud22c\uc790\uc790\uc5d0\uac8c \uc801\ud569<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">3. \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub300\ucd9c (Portfolio Loans)<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\uac1c\uc778 \uae08\uc735\uae30\uad00\uc774 \uc9c1\uc811 \ubcf4\uc720\ud558\uba70, Fannie Mae \ub610\ub294 Freddie Mac\uc5d0 \ud310\ub9e4\ub418\uc9c0 \uc54a\ub294 <strong>\ub9de\ucda4\ud615 \ub300\ucd9c \uc0c1\ud488<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ucd94\ucc9c \ub300\uc0c1:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uace0\uac00 \ub610\ub294 \ud2b9\uc218 \ubaa9\uc801 \ud22c\uc790 \ubd80\ub3d9\uc0b0<\/li>\n\n\n\n<li>\ubcf5\uc7a1\ud55c \uc790\uc0b0 \uad6c\uc870\ub97c \uac00\uc9c4 \ud22c\uc790\uc790<\/li>\n\n\n\n<li>LLC(\uc720\ud55c\ucc45\uc784\ud68c\uc0ac) \uad6c\uc870\ub85c \ud22c\uc790\ud558\ub294 \ud55c\uad6d\uc778 \ud22c\uc790\uc790<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\uc65c America Mortgages\uc640 \ud568\uaed8 \ud574\uc57c \ud558\ub098\uc694?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc778\uc0dd\uc5d0\uc11c \uc911\uc694\ud55c \uacb0\uc815\uc744 \ud560 \ub54c\ub294 <strong>\uc5b8\uc81c\ub098 \uc804\ubb38\uac00\uc640 \ud568\uaed8 \ud574\uc57c \ud569\ub2c8\ub2e4.<\/strong><strong><br><\/strong><strong>America Mortgages<\/strong>\ub294 \ubc14\ub85c \uadf8 \uc804\ubb38\uac00\uc785\ub2c8\ub2e4.<br>\ubbf8\uad6d \ubd80\ub3d9\uc0b0 \ud22c\uc790\uc790\ub97c \uc704\ud55c \ubaa8\uae30\uc9c0 \uae08\uc735\uc758 <strong>\uae00\ub85c\ubc8c \ub9ac\ub354<\/strong>\ub85c, \ud55c\uad6d\uc778\uc744 \ud3ec\ud568\ud55c \uc804 \uc138\uacc4 \ud22c\uc790\uc790\ub4e4\uc744 \uc704\ud574 <strong>\uc678\uad6d\uc778 \uc804\uc6a9 \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8<\/strong>\uc744 \uc6b4\uc601\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774 \ud504\ub85c\uadf8\ub7a8\uc740 <strong>\uac70\uc8fc\uc790\ub098 \uccab \uc8fc\ud0dd \uad6c\ub9e4\uc790\uc6a9\uc774 \uc544\ub2cc, \ud22c\uc790\uc790 \uc804\uc6a9<\/strong>\uc73c\ub85c \uc124\uacc4\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">? <strong>\ubb38\uc758 \ubc0f \uc0c1\ub2f4<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc774\uba54\uc77c:<\/strong> hello@americamortgages.com<\/li>\n\n\n\n<li><strong>\uc6f9\uc0ac\uc774\ud2b8:<\/strong> <a href=\"http:\/\/www.americamortgages.com\/\">www.americamortgages.com<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">? \ub2e4\uc74c \ub2e8\uacc4\ub85c \ub098\uc544\uac08 \uc900\ube44\uac00 \ub418\uc168\ub098\uc694?<br>America Mortgages\uc758 <strong>24\uc2dc\uac04 \uc628\ub77c\uc778 \uc0c1\ub2f4 \uc608\uc57d \ub3c4\uad6c<\/strong>\ub97c \uc0ac\uc6a9\ud574, \ud55c\uad6d \ud22c\uc790\uc790\ub97c \uc798 \uc774\ud574\ud558\ub294 <strong>\ubbf8\uad6d \uacf5\uc778 \ubaa8\uae30\uc9c0 \uc804\ubb38\uac00\uc640 \ubb34\ub8cc \uc0c1\ub2f4<\/strong>\uc744 \uc608\uc57d\ud558\uc138\uc694. <strong>\uc758\ubb34 \uc5c6\uc74c.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Korean citizens are legally allowed to buy and finance U.S. investment property, even without U.S. residency, credit history, or a Social Security Number. This article explains how Korean nationals obtain U.S. mortgages, the loan options available to non-resident investors, and the documents required to finance rental property in the United States. What Korean Investors Will [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":20965,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/template-single-post.php","format":"standard","meta":{"_acf_changed":false,"qubely_global_settings":"","qubely_interactions":"","inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[14,31,13],"tags":[],"am_country":[],"am_audience":[],"am_format":[],"class_list":["post-20962","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-foreign-nationals","category-think-pieces","category-u-s-expats"],"acf":[],"qubely_featured_image_url":{"full":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Korea.jpg",1200,628,false],"landscape":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Korea.jpg",1200,628,false],"portraits":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Korea-540x320.jpg",540,320,true],"thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Korea-150x150.jpg",150,150,true],"medium":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Korea-300x157.jpg",300,157,true],"medium_large":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Korea-768x402.jpg",580,304,true],"large":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Korea-1024x536.jpg",580,304,true],"1536x1536":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Korea.jpg",1200,628,false],"2048x2048":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Korea.jpg",1200,628,false],"qubely_landscape":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Korea.jpg",1200,628,false],"qubely_portrait":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Korea-540x320.jpg",540,320,true],"qubely_thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Korea-140x100.jpg",140,100,true],"post-thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Korea.jpg",1200,628,false],"twentytwenty-fullscreen":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Korea.jpg",1200,628,false]},"qubely_author":{"display_name":"America Mortgages","author_link":"https:\/\/www.americamortgages.com\/author\/america-mortgages\/"},"qubely_comment":0,"qubely_category":"<a href=\"https:\/\/www.americamortgages.com\/foreign-nationals\/\" rel=\"category tag\">Foreign Nationals<\/a> <a href=\"https:\/\/www.americamortgages.com\/think-pieces\/\" rel=\"category tag\">Think Pieces<\/a> <a href=\"https:\/\/www.americamortgages.com\/u-s-expats\/\" rel=\"category tag\">U.S. Expats<\/a>","qubely_excerpt":"Korean citizens are legally allowed to buy and finance U.S. investment property, even without U.S. residency, credit history, or a Social Security Number. This article explains how Korean nationals obtain U.S. mortgages, the loan options available to non-resident investors, and the documents required to finance rental property in the United States. What Korean Investors Will&hellip;","_links":{"self":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/20962","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/comments?post=20962"}],"version-history":[{"count":14,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/20962\/revisions"}],"predecessor-version":[{"id":23420,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/20962\/revisions\/23420"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/media\/20965"}],"wp:attachment":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/media?parent=20962"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/categories?post=20962"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/tags?post=20962"},{"taxonomy":"am_country","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_country?post=20962"},{"taxonomy":"am_audience","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_audience?post=20962"},{"taxonomy":"am_format","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_format?post=20962"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}