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Foreign National Loan Program

The Foreign National Loan Program is for existing IBC Bank customers that have a primary residence outside of the U.S. but are interested in acquiring real estate property in Texas or Oklahoma.

  • Program is only offered for second home and/or investment loans
  • Foreign nationals are non-United States citizens who are neither permanent nor non-permanent resident aliens
  • Full income documentation is required
  • Maximum LTV/CLTV is 80%
  • Maximum Debt Ratio is 50%
  • Gift Funds Are Not Allowed on Investment Property Loans
  • Maximum 2% Seller Contributions Allowed on Investment Property Loans
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