{"id":21145,"date":"2025-07-30T09:32:58","date_gmt":"2025-07-30T09:32:58","guid":{"rendered":"https:\/\/www.americamortgages.com\/?p=21145"},"modified":"2025-12-03T05:51:08","modified_gmt":"2025-12-03T05:51:08","slug":"how-can-you-obtain-mortgages-in-the-usa-from-vietnam-in-2025","status":"publish","type":"post","link":"https:\/\/www.americamortgages.com\/how-can-you-obtain-mortgages-in-the-usa-from-vietnam-in-2025\/","title":{"rendered":"How Can You Obtain Mortgages in the USA from Vietnam in 2025?"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\">Are You a Vietnamese Investor Exploring U.S. Property?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You&#8217;re in good company. Many <strong><a title=\"Vietnamese investors are turning to U.S. real estate\" href=\"https:\/\/www.americamortgages.com\/why-foreign-investors-are-pouring-billions-into-u-s-real-estate-and-why-you-should-too\/\" data-type=\"link\" data-id=\"https:\/\/www.americamortgages.com\/why-foreign-investors-are-pouring-billions-into-u-s-real-estate-and-why-you-should-too\">Vietnamese investors are turning to U.S. real estate<\/a><\/strong> to diversify their portfolios, protect capital in a stable economy, and build long-term wealth through rental income.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The best part? <strong>You don\u2019t need to be a U.S. resident, hold a visa, or have a U.S. credit score<\/strong> to qualify for financing. With the help of international mortgage lenders, <strong>Vietnamese citizens can access U.S. mortgage programs<\/strong> designed specifically for foreign nationals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This guide explains how you can obtain a mortgage from Vietnam to invest in U.S. property, what documents are needed, and which loan types are best suited to your goals.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Can Vietnamese Citizens Purchase Real Estate in the U.S.?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Yes.<\/strong> There are <strong>no legal restrictions<\/strong> on Vietnamese citizens owning property in the United States. Whether you\u2019re <a title=\"buying a rental home in Florida\" href=\"https:\/\/www.americamortgages.com\/best-u-s-cities-for-foreign-mortgage-borrowers-market-comparison\/\" data-type=\"link\" data-id=\"https:\/\/www.americamortgages.com\/best-u-s-cities-for-foreign-mortgage-borrowers-market-comparison\">buying a rental home in Florida<\/a>, a condo in California, or a multifamily building in Texas, you can <strong>finance your purchase with a U.S. mortgage<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lenders that work with international borrowers assess your <strong>Vietnamese or global financial profile<\/strong>\u2014no U.S. credit history is needed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comparing U.S. and Vietnamese Mortgage Markets<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding the differences between mortgage systems in the U.S. and Vietnam helps set realistic expectations for international buyers:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Feature<\/strong><\/td><td><strong>United States (Foreign National)<\/strong><\/td><td><strong>Vietnam<\/strong><\/td><\/tr><tr><td>Residency Requirement<\/td><td>No<\/td><td>Usually required<\/td><\/tr><tr><td>Credit Score Requirement<\/td><td>No U.S. credit needed<\/td><td>Local credit and collateral needed<\/td><\/tr><tr><td>Minimum Down Payment<\/td><td>25%<\/td><td>30\u201340%<\/td><\/tr><tr><td>Interest Options<\/td><td>Fixed or adjustable<\/td><td>Mostly variable<\/td><\/tr><tr><td>Loan Terms<\/td><td>15\u201330 years<\/td><td>Typically shorter<\/td><\/tr><tr><td>Approval Based On<\/td><td>Global income or rental income<\/td><td>Personal income, employment, and collateral<\/td><\/tr><\/tbody><\/table><\/figure>\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 Vietnamese Nationals<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">To apply for a U.S. mortgage from Vietnam, you\u2019ll generally need:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Valid Vietnamese passport<\/li>\n\n\n\n<li>Recent bank statements (from Vietnam or international accounts &#8211; translated)<\/li>\n\n\n\n<li>Proof of liquid assets for the down payment and reserves<\/li>\n\n\n\n<li>Property details or executed purchase agreement<\/li>\n\n\n\n<li>Projected rental income (if purchasing an investment property)<\/li>\n\n\n\n<li>U.S. credit report is <strong>not required<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For <strong>investment properties<\/strong>, many Vietnamese borrowers qualify through a <strong>DSCR loan<\/strong>, which requires <strong>no personal income or tax documentation<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mortgage Options for Vietnamese Citizens<\/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 designed for non-residents, including Vietnamese nationals, who wish to purchase U.S. real estate for investment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best For<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Buyers without U.S. financial history<\/li>\n\n\n\n<li>Investors purchasing rental homes, vacation properties, or second homes<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Features<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>25% down payment<\/li>\n\n\n\n<li>No Social Security Number or U.S. credit score required<\/li>\n\n\n\n<li>Fixed or adjustable terms up to 30 years regardless of the age of the borrower<\/li>\n\n\n\n<li>Global assets and income considered<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">2. DSCR Loan (Debt Service Coverage Ratio)<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Ideal for real estate investors, DSCR loans are qualified based on <strong><a title=\"property rental income\" href=\"https:\/\/www.americamortgages.com\/u-s-real-estate-investing-made-easy-qualify-only-on-the-rental-income\/\" data-type=\"link\" data-id=\"https:\/\/www.americamortgages.com\/u-s-real-estate-investing-made-easy-qualify-only-on-the-rental-income\">property rental income<\/a><\/strong>, not personal income or employment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best For<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vietnamese investors focused on generating rental income from U.S. real estate<\/li>\n\n\n\n<li>Buyers seeking simplified approvals with less documentation<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Features<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No income verification, proof or tax returns required<\/li>\n\n\n\n<li>Loan approval based on rental coverage ratio (DSCR 1:1)<\/li>\n\n\n\n<li>Available for residential and small multifamily properties<br><\/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 a Specialized U.S. Mortgage Lender?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Financing property in another country comes with challenges\u2014from language barriers to time zone differences and documentation standards. That\u2019s why it\u2019s crucial to work with a <strong>U.S. lender who specializes in foreign national mortgages<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>America Mortgages<\/strong> provides U.S. mortgage solutions to Vietnamese citizens and other international investors. Their programs are built specifically for non-residents and supported by a team that understands global financial needs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Contact<\/strong>: <a href=\"mailto:hello@americamortgages.com\">hello@americamortgages.com<\/a><br><strong>Website<\/strong>:<a href=\"https:\/\/www.americamortgages.com\"> <\/a><a href=\"http:\/\/www.americamortgages.com\">www.americamortgages.com<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>24\/7 U.S. Loan Specialist support line: <a href=\"tel:+18455830830\" data-type=\"tel\" data-id=\"tel:+18455830830\">+1 845-583-0830<\/a>&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Need help getting started? Use their <strong><a href=\"https:\/\/calendly.com\/u-s-mortgages\/\" data-type=\"link\" data-id=\"https:\/\/calendly.com\/u-s-mortgages\" target=\"_blank\" rel=\"noopener\">24\/7 online booking tool<\/a><\/strong> to schedule a <strong>free, no-obligation consultation<\/strong> with a licensed U.S. mortgage advisor. <a href=\"https:\/\/www.americamortgages.com\/home-mortgage-for-foreign-national-form\/\">https:\/\/www.americamortgages.com\/home-mortgage-for-foreign-national-form\/<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Frequently Asked Questions<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q1: Can Vietnamese citizens buy property in the U.S.?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A: <\/strong>Yes, Vietnamese citizens can legally own property in the U.S. There are no restrictions on foreign ownership.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q2: Do I need a U.S. credit score to get a mortgage?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A:<\/strong> No, U.S. credit history is not required. Lenders evaluate your global financial profile instead.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q3: What is the minimum down payment required?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A: <\/strong>The minimum down payment is typically 25% for foreign national loans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q4: What documents are needed to apply?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A:<\/strong> You&#8217;ll generally need:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Valid Vietnamese passport<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Recent bank statements (translated)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Proof of liquid assets for the down payment<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Property details or purchase agreement<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Projected rental income (if buying an investment property)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q5: Which loan types are best for Vietnamese investors?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A: <\/strong>Two suitable loan options are:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Foreign National Investment Loan: Requires no U.S. credit or visa, based on global financials.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">DSCR Loan (Debt Service Coverage Ratio): Qualifies based on projected rental income, not personal income.<\/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 Vietnamese citizens buy property in the U.S.?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Yes, Vietnamese citizens can legally own property in the U.S. There are no restrictions on foreign ownership.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"Do I need a U.S. credit score to get a mortgage?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"No, U.S. credit history is not required. 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Their programs are built specifically for non-residents and supported by a team that understands global financial needs.\",\n  \"image\": \"https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Vietnam.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\": \"2025-07-30\"\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\">L\u00e0m C\u00e1ch N\u00e0o Ng\u01b0\u1eddi Vi\u1ec7t C\u00f3 Th\u1ec3 Vay Mua Nh\u00e0 T\u1ea1i M\u1ef9 T\u1eeb Vi\u1ec7t Nam?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">B\u1ea1n L\u00e0 Nh\u00e0 \u0110\u1ea7u T\u01b0 Vi\u1ec7t Nam \u0110ang T\u00ecm Hi\u1ec3u Th\u1ecb Tr\u01b0\u1eddng B\u1ea5t \u0110\u1ed9ng S\u1ea3n M\u1ef9?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n kh\u00f4ng \u0111\u01a1n \u0111\u1ed9c. Ng\u00e0y c\u00e0ng nhi\u1ec1u nh\u00e0 \u0111\u1ea7u t\u01b0 Vi\u1ec7t Nam chuy\u1ec3n h\u01b0\u1edbng sang b\u1ea5t \u0111\u1ed9ng s\u1ea3n M\u1ef9 \u0111\u1ec3 <strong>\u0111a d\u1ea1ng h\u00f3a danh m\u1ee5c \u0111\u1ea7u t\u01b0<\/strong>, <strong>b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n trong n\u1ec1n kinh t\u1ebf \u1ed5n \u0111\u1ecbnh<\/strong> v\u00e0 <strong>x\u00e2y d\u1ef1ng t\u00e0i s\u1ea3n d\u00e0i h\u1ea1n th\u00f4ng qua thu nh\u1eadp t\u1eeb cho thu\u00ea<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tin t\u1ed1t l\u00e0: <strong>B\u1ea1n kh\u00f4ng c\u1ea7n l\u00e0 c\u01b0 d\u00e2n M\u1ef9, kh\u00f4ng c\u1ea7n visa, c\u0169ng kh\u00f4ng c\u1ea7n \u0111i\u1ec3m t\u00edn d\u1ee5ng M\u1ef9<\/strong> \u0111\u1ec3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n. V\u1edbi s\u1ef1 h\u1ed7 tr\u1ee3 t\u1eeb c\u00e1c \u0111\u01a1n v\u1ecb cho vay qu\u1ed1c t\u1ebf, <strong>c\u00f4ng d\u00e2n Vi\u1ec7t Nam ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh vay mua nh\u00e0 t\u1ea1i M\u1ef9<\/strong> d\u00e0nh ri\u00eang cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u00e0i vi\u1ebft n\u00e0y s\u1ebd h\u01b0\u1edbng d\u1eabn b\u1ea1n:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L\u00e0m sao \u0111\u1ec3 vay mua nh\u00e0 t\u1ea1i M\u1ef9 t\u1eeb Vi\u1ec7t Nam<\/li>\n\n\n\n<li>Nh\u1eefng gi\u1ea5y t\u1edd c\u1ea7n chu\u1ea9n b\u1ecb<\/li>\n\n\n\n<li>C\u00e1c lo\u1ea1i kho\u1ea3n vay ph\u00f9 h\u1ee3p nh\u1ea5t v\u1edbi m\u1ee5c ti\u00eau \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">C\u00f4ng D\u00e2n Vi\u1ec7t Nam C\u00f3 \u0110\u01b0\u1ee3c Mua B\u1ea5t \u0110\u1ed9ng S\u1ea3n T\u1ea1i M\u1ef9 Kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>C\u00f3.<\/strong> Kh\u00f4ng c\u00f3 b\u1ea5t k\u1ef3 r\u00e0o c\u1ea3n ph\u00e1p l\u00fd n\u00e0o c\u1ea5m ng\u01b0\u1eddi Vi\u1ec7t s\u1edf h\u1eefu b\u1ea5t \u0111\u1ed9ng s\u1ea3n t\u1ea1i Hoa K\u1ef3. D\u00f9 b\u1ea1n \u0111ang t\u00ecm mua <strong>nh\u00e0 cho thu\u00ea t\u1ea1i Florida<\/strong>, <strong>c\u0103n h\u1ed9 t\u1ea1i California<\/strong>, hay <strong>t\u00f2a nh\u00e0 nhi\u1ec1u c\u0103n h\u1ed9 t\u1ea1i Texas<\/strong>, b\u1ea1n <strong>\u0111\u1ec1u c\u00f3 th\u1ec3 t\u00e0i tr\u1ee3 vi\u1ec7c mua b\u1eb1ng kho\u1ea3n vay t\u1eeb M\u1ef9<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c \u0111\u01a1n v\u1ecb cho vay chuy\u00ean ph\u1ee5c v\u1ee5 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i s\u1ebd \u0111\u00e1nh gi\u00e1 <strong>thu nh\u1eadp v\u00e0 t\u00e0i s\u1ea3n t\u1ea1i Vi\u1ec7t Nam ho\u1eb7c to\u00e0n c\u1ea7u<\/strong>\u2014<strong>kh\u00f4ng c\u1ea7n \u0111i\u1ec3m t\u00edn d\u1ee5ng M\u1ef9<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">So S\u00e1nh H\u1ec7 Th\u1ed1ng Vay Mua Nh\u00e0 Gi\u1eefa M\u1ef9 v\u00e0 Vi\u1ec7t Nam<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Hi\u1ec3u r\u00f5 s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa h\u1ec7 th\u1ed1ng vay mua nh\u00e0 t\u1ea1i M\u1ef9 v\u00e0 Vi\u1ec7t Nam s\u1ebd gi\u00fap b\u1ea1n chu\u1ea9n b\u1ecb t\u1ed1t h\u01a1n:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Ti\u00eau ch\u00ed<\/strong><\/td><td><strong>M\u1ef9 (Ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i)<\/strong><\/td><td><strong>Vi\u1ec7t Nam<\/strong><\/td><\/tr><tr><td>Y\u00eau c\u1ea7u c\u01b0 tr\u00fa<\/td><td>Kh\u00f4ng c\u1ea7n<\/td><td>Th\u01b0\u1eddng y\u00eau c\u1ea7u<\/td><\/tr><tr><td>\u0110i\u1ec3m t\u00edn d\u1ee5ng<\/td><td>Kh\u00f4ng c\u1ea7n \u0111i\u1ec3m t\u00edn d\u1ee5ng M\u1ef9<\/td><td>C\u1ea7n \u0111i\u1ec3m t\u00edn d\u1ee5ng v\u00e0 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o<\/td><\/tr><tr><td>T\u1ef7 l\u1ec7 \u0111\u1eb7t c\u1ecdc t\u1ed1i thi\u1ec3u<\/td><td>25%<\/td><td>30\u201340%<\/td><\/tr><tr><td>L\u1ef1a ch\u1ecdn l\u00e3i su\u1ea5t<\/td><td>C\u1ed1 \u0111\u1ecbnh ho\u1eb7c linh ho\u1ea1t<\/td><td>Ch\u1ee7 y\u1ebfu l\u00e0 l\u00e3i su\u1ea5t th\u1ea3 n\u1ed5i<\/td><\/tr><tr><td>Th\u1eddi h\u1ea1n vay<\/td><td>15\u201330 n\u0103m<\/td><td>Th\u01b0\u1eddng ng\u1eafn h\u01a1n<\/td><\/tr><tr><td>C\u01a1 s\u1edf ph\u00ea duy\u1ec7t<\/td><td>Thu nh\u1eadp to\u00e0n c\u1ea7u ho\u1eb7c t\u1eeb cho thu\u00ea<\/td><td>Thu nh\u1eadp c\u00e1 nh\u00e2n, c\u00f4ng vi\u1ec7c, t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">H\u1ed3 S\u01a1 C\u1ea7n Thi\u1ebft \u0110\u1ed1i V\u1edbi Ng\u01b0\u1eddi Vi\u1ec7t<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ec3 n\u1ed9p \u0111\u01a1n vay mua nh\u00e0 t\u1ea1i M\u1ef9 t\u1eeb Vi\u1ec7t Nam, b\u1ea1n th\u01b0\u1eddng c\u1ea7n chu\u1ea9n b\u1ecb:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 H\u1ed9 chi\u1ebfu Vi\u1ec7t Nam c\u00f2n hi\u1ec7u l\u1ef1c<br>\u2705 Sao k\u00ea ng\u00e2n h\u00e0ng g\u1ea7n nh\u1ea5t (t\u1eeb ng\u00e2n h\u00e0ng Vi\u1ec7t Nam ho\u1eb7c qu\u1ed1c t\u1ebf \u2013 d\u1ecbch sang ti\u1ebfng Anh)<br>\u2705 Ch\u1ee9ng minh t\u00e0i s\u1ea3n thanh kho\u1ea3n \u0111\u1ec3 \u0111\u1eb7t c\u1ecdc v\u00e0 duy tr\u00ec t\u00e0i kho\u1ea3n d\u1ef1 ph\u00f2ng<br>\u2705 Th\u00f4ng tin chi ti\u1ebft v\u1ec1 b\u1ea5t \u0111\u1ed9ng s\u1ea3n ho\u1eb7c h\u1ee3p \u0111\u1ed3ng mua b\u00e1n \u0111\u00e3 k\u00fd<br>\u2705 D\u1ef1 ki\u1ebfn thu nh\u1eadp t\u1eeb vi\u1ec7c cho thu\u00ea (n\u1ebfu l\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u1ea7u t\u01b0)<br>\u2705 <strong>Kh\u00f4ng y\u00eau c\u1ea7u \u0111i\u1ec3m t\u00edn d\u1ee5ng M\u1ef9<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n mua nh\u00e0 \u0111\u1ec3 \u0111\u1ea7u t\u01b0, b\u1ea1n c\u00f3 th\u1ec3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n cho kho\u1ea3n vay <strong>DSCR<\/strong>, kh\u00f4ng y\u00eau c\u1ea7u h\u1ed3 s\u01a1 thu nh\u1eadp hay khai thu\u1ebf c\u00e1 nh\u00e2n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">C\u00e1c L\u1ef1a Ch\u1ecdn Vay Mua Nh\u00e0 T\u1ed1t Nh\u1ea5t Cho Ng\u01b0\u1eddi Vi\u1ec7t<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">1\ufe0f\u20e3 Kho\u1ea3n Vay \u0110\u1ea7u T\u01b0 Cho Ng\u01b0\u1eddi N\u01b0\u1edbc Ngo\u00e0i (Foreign National Investment Loan)<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Kho\u1ea3n vay n\u00e0y \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf d\u00e0nh ri\u00eang cho <strong>ng\u01b0\u1eddi kh\u00f4ng c\u01b0 tr\u00fa t\u1ea1i M\u1ef9<\/strong>, bao g\u1ed3m c\u00f4ng d\u00e2n Vi\u1ec7t Nam, mu\u1ed1n mua nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1ea1i M\u1ef9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ph\u00f9 h\u1ee3p v\u1edbi:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ng\u01b0\u1eddi kh\u00f4ng c\u00f3 l\u1ecbch s\u1eed t\u00e0i ch\u00ednh t\u1ea1i M\u1ef9<\/li>\n\n\n\n<li>Nh\u00e0 \u0111\u1ea7u t\u01b0 mua nh\u00e0 cho thu\u00ea, nh\u00e0 ngh\u1ec9 d\u01b0\u1ee1ng, ho\u1eb7c nh\u00e0 th\u1ee9 hai<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0110\u1eb7c \u0111i\u1ec3m:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0110\u1eb7t c\u1ecdc t\u1ed1i thi\u1ec3u 25%<\/li>\n\n\n\n<li>Kh\u00f4ng y\u00eau c\u1ea7u s\u1ed1 an sinh x\u00e3 h\u1ed9i ho\u1eb7c \u0111i\u1ec3m t\u00edn d\u1ee5ng M\u1ef9<\/li>\n\n\n\n<li>Th\u1eddi h\u1ea1n vay l\u00ean \u0111\u1ebfn 30 n\u0103m<\/li>\n\n\n\n<li>\u0110\u00e1nh gi\u00e1 d\u1ef1a tr\u00ean t\u00e0i s\u1ea3n v\u00e0 thu nh\u1eadp to\u00e0n c\u1ea7u<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">2\ufe0f\u20e3 Kho\u1ea3n Vay DSCR (Debt Service Coverage Ratio)<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">L\u00fd t\u01b0\u1edfng cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n. Kho\u1ea3n vay DSCR \u0111\u01b0\u1ee3c x\u00e9t duy\u1ec7t d\u1ef1a tr\u00ean <strong>thu nh\u1eadp t\u1eeb cho thu\u00ea c\u1ee7a b\u1ea5t \u0111\u1ed9ng s\u1ea3n<\/strong>, <strong>kh\u00f4ng x\u00e9t \u0111\u1ebfn thu nh\u1eadp c\u00e1 nh\u00e2n ho\u1eb7c c\u00f4ng vi\u1ec7c<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ph\u00f9 h\u1ee3p v\u1edbi:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nh\u00e0 \u0111\u1ea7u t\u01b0 Vi\u1ec7t Nam t\u1eadp trung v\u00e0o d\u00f2ng ti\u1ec1n cho thu\u00ea<\/li>\n\n\n\n<li>Ng\u01b0\u1eddi mu\u1ed1n \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t \u0111\u01a1n gi\u1ea3n, th\u1ee7 t\u1ee5c \u00edt<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0110\u1eb7c \u0111i\u1ec3m:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kh\u00f4ng c\u1ea7n ch\u1ee9ng minh thu nh\u1eadp hay khai thu\u1ebf<\/li>\n\n\n\n<li>Ph\u00ea duy\u1ec7t d\u1ef1a tr\u00ean t\u1ef7 l\u1ec7 thu nh\u1eadp t\u1eeb cho thu\u00ea (DSCR \u2265 1:1)<\/li>\n\n\n\n<li>\u00c1p d\u1ee5ng cho nh\u00e0 \u1edf ri\u00eang l\u1ebb ho\u1eb7c b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111a c\u0103n nh\u1ecf<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">T\u1ea1i Sao N\u00ean L\u00e0m Vi\u1ec7c V\u1edbi \u0110\u01a1n V\u1ecb Cho Vay M\u1ef9 Chuy\u00ean Ph\u1ee5c V\u1ee5 Ng\u01b0\u1eddi N\u01b0\u1edbc Ngo\u00e0i?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vay mua nh\u00e0 t\u1ea1i m\u1ed9t qu\u1ed1c gia kh\u00e1c lu\u00f4n g\u1eb7p nhi\u1ec1u th\u00e1ch th\u1ee9c\u2014t\u1eeb r\u00e0o c\u1ea3n ng\u00f4n ng\u1eef, l\u1ec7ch m\u00fai gi\u1edd cho \u0111\u1ebfn ti\u00eau chu\u1ea9n h\u1ed3 s\u01a1. V\u00ec v\u1eady, b\u1ea1n n\u00ean ch\u1ecdn m\u1ed9t \u0111\u01a1n v\u1ecb <strong>hi\u1ec3u r\u00f5 nhu c\u1ea7u t\u00e0i ch\u00ednh c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/strong>, \u0111\u1eb7c bi\u1ec7t l\u00e0 ng\u01b0\u1eddi Vi\u1ec7t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>America Mortgages<\/strong> chuy\u00ean cung c\u1ea5p gi\u1ea3i ph\u00e1p vay mua nh\u00e0 t\u1ea1i M\u1ef9 cho c\u00f4ng d\u00e2n Vi\u1ec7t Nam v\u00e0 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 qu\u1ed1c t\u1ebf kh\u00e1c. C\u00e1c ch\u01b0\u01a1ng tr\u00ecnh c\u1ee7a h\u1ecd \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf d\u00e0nh ri\u00eang cho ng\u01b0\u1eddi kh\u00f4ng c\u01b0 tr\u00fa, v\u1edbi \u0111i\u1ec1u ki\u1ec7n r\u00f5 r\u00e0ng, ph\u00ea duy\u1ec7t nhanh v\u00e0 h\u1ed7 tr\u1ee3 chuy\u00ean s\u00e2u.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">? <strong>Li\u00ean h\u1ec7<\/strong>: hello@americamortgages.com<br>? <strong>Website<\/strong>: <a href=\"https:\/\/www.americamortgages.com\/\">www.americamortgages.com<br><\/a>? <strong>\u0110\u01b0\u1eddng d\u00e2y t\u01b0 v\u1ea5n 24\/7<\/strong>: +1 845-583-0830<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">? <strong>C\u1ea7n t\u01b0 v\u1ea5n \u0111\u1ec3 b\u1eaft \u0111\u1ea7u?<\/strong> \u0110\u1eb7t l\u1ecbch t\u01b0 v\u1ea5n mi\u1ec5n ph\u00ed v\u1edbi chuy\u00ean gia th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p t\u1ea1i M\u1ef9 qua c\u00f4ng c\u1ee5 \u0111\u1eb7t l\u1ecbch online 24\/7:<br>? <a href=\"https:\/\/www.americamortgages.com\/home-mortgage-for-foreign-national-form\/\">\u0110\u1eb7t l\u1ecbch ngay<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are You a Vietnamese Investor Exploring U.S. Property? You&#8217;re in good company. Many Vietnamese investors are turning to U.S. real estate to diversify their portfolios, protect capital in a stable economy, and build long-term wealth through rental income. The best part? You don\u2019t need to be a U.S. resident, hold a visa, or have a [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":21146,"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-21145","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\/Vietnam.jpg",1200,628,false],"landscape":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Vietnam.jpg",1200,628,false],"portraits":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Vietnam-540x320.jpg",540,320,true],"thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Vietnam-150x150.jpg",150,150,true],"medium":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Vietnam-300x157.jpg",300,157,true],"medium_large":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Vietnam-768x402.jpg",580,304,true],"large":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Vietnam-1024x536.jpg",580,304,true],"1536x1536":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Vietnam.jpg",1200,628,false],"2048x2048":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Vietnam.jpg",1200,628,false],"qubely_landscape":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Vietnam.jpg",1200,628,false],"qubely_portrait":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Vietnam-540x320.jpg",540,320,true],"qubely_thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Vietnam-140x100.jpg",140,100,true],"post-thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Vietnam.jpg",1200,628,false],"twentytwenty-fullscreen":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/07\/Vietnam.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":"Are You a Vietnamese Investor Exploring U.S. Property? You&#8217;re in good company. Many Vietnamese investors are turning to U.S. real estate to diversify their portfolios, protect capital in a stable economy, and build long-term wealth through rental income. The best part? You don\u2019t need to be a U.S. resident, hold a visa, or have a&hellip;","_links":{"self":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/21145","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=21145"}],"version-history":[{"count":11,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/21145\/revisions"}],"predecessor-version":[{"id":22871,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/21145\/revisions\/22871"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/media\/21146"}],"wp:attachment":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/media?parent=21145"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/categories?post=21145"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/tags?post=21145"},{"taxonomy":"am_country","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_country?post=21145"},{"taxonomy":"am_audience","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_audience?post=21145"},{"taxonomy":"am_format","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_format?post=21145"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}