{"id":21192,"date":"2025-08-05T16:52:10","date_gmt":"2025-08-05T16:52:10","guid":{"rendered":"https:\/\/www.americamortgages.com\/?p=21192"},"modified":"2025-10-03T07:19:13","modified_gmt":"2025-10-03T07:19:13","slug":"how-can-french-citizens-get-mortgages-in-the-usa-in-2025","status":"publish","type":"post","link":"https:\/\/www.americamortgages.com\/how-can-french-citizens-get-mortgages-in-the-usa-in-2025\/","title":{"rendered":"How Can French Citizens Get Mortgages in the USA in 2025?"},"content":{"rendered":"\n

Are you considering owning U.S. real estate as a French passport holder? Good news\u2014there are no restrictions on non-citizens buying property in the U.S.<\/a>! But how do the rules work, and can a French citizen secure a mortgage?<\/p>\n\n\n\n

This guide covers everything you need to know, from key differences in mortgage financing between France and the U.S. to the documents you’ll need for a smooth purchasing process. <\/p>\n\n\n\n

Can French Citizens buy real estate in the U.S.?<\/h3>\n\n\n\n

Yes, French citizens can buy property in the U.S. There are no restrictions on non-citizens who wish to own real estate in the U.S. <\/p>\n\n\n\n

Obtaining a U.S. mortgage<\/a> as a French citizen is a straightforward process. Keep reading to learn about the differences in mortgage financing between France and the U.S.<\/p>\n\n\n\n

What are the differences between getting a mortgage in France versus the U.S.?<\/h3>\n\n\n\n

Here are all the differences when it comes to getting a mortgage in France vs the U.S.<\/p>\n\n\n\n

Aspect<\/strong><\/td>France<\/strong><\/td>United States<\/strong><\/td><\/tr>
Legal Framework<\/td>Notaries ensure the legality of sales, draft contracts, and verify legal compliance.<\/td>Real estate attorneys and Title companies handle legal aspects like title searches and contract preparation.<\/td><\/tr>
Fees<\/td>Notary fees, typically 7-8% of purchase price.<\/td>Legal fees and title insurance, often around 1-2% of purchase price.<\/td><\/tr>
Property Search and Purchase Process<\/td>Involves signing a Compromis de Vente outlining sale terms.<\/td>Starts with a purchase offer and nominal deposit held in escrow.<\/td><\/tr>
Cooling-Off Period<\/td>There\u2019s a 10-day cooling-off period after signing.<\/td>Contingency period for inspections and negotiations.<\/td><\/tr>
Deposit<\/td>5-10% deposit is typically required.<\/td>The earnest money deposit is usually 1-3% of the purchase price.<\/td><\/tr>
Financing and Mortgages<\/td>Stricter terms for foreign buyers.<\/td>Competitive mortgage market for residents and non-residents.<\/td><\/tr>
Interest Rates<\/td>Generally lower, with a thorough approval process.<\/td>Vary widely based on LTV, property value and market conditions.<\/td><\/tr>
Documentation<\/td>Extensive paperwork is required (income proof, tax returns, bank statements).<\/td>Passport and verification of funds. Property qualifies on the rental income.<\/td><\/tr>
Taxes and Fees<\/td>Higher transaction costs include notary fees, registration fees, and taxes.<\/td>Lower transaction costs and property taxes, buyers pay for title insurance, closing costs, and some attorney fees.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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Documents Required for French Citizens to Purchase Property in the U.S.<\/h3>\n\n\n\n

Here\u2019s a handy list of commonly required documents to obtain a mortgage in the U.S. as a French citizen:<\/p>\n\n\n\n