Home Loans for All Foreign Nationals & Locals
All visa types accepted. No U.S. credit, FICO score, income, employment, or DTI required for qualified asset holders.
Lending Area: California, Georgia, Massachusetts, Nevada, Texas, and Washington Only.
Quick & Easy Loan Approvals
Effortless U.S. Property Financing for Global Buyers
Your Gateway to U.S. Real Estate
Simple & Flexible Financing!
Invest in U.S. property with ease through GMCC’s Universe (Foreign National) Program. No U.S. credit, no FICO score, no income, no employment, and no DTI requirement for qualified asset holders.
Lending Area: California, Georgia, Massachusetts, Nevada, Texas, and Washington Only.
Hassle-Free Approval
All Visa acceptable (F,B,J etc.)
Flexible Loan Options
100% Downpayment from Gift OK
Ideal for Investors
Rental or Cash out LTV up to 50%
Our Background
GMCC – A Nationwide Direct Mortgage Lender You Can Trust
GMCC is a California-based mortgage lender with a nationwide reach, specializing in Prime Jumbo, Non-QM, and Agency loans. With in-house underwriting, documentation, and funding, we ensure a fast, seamless mortgage process. Our team of 600+ Licensed Mortgage Loan Officers provides expert guidance with integrity and transparency.
Why Choose GMCC?
Your Trusted Mortgage Partner
GMCC simplifies the loan process with fast approvals, diverse financing solutions, and expert guidance. Whether you're a first-time buyer or an investor, our nationwide team ensures a smooth and transparent experience.
Fast Loan Process
Quick approvals with in-house underwriting.
Diverse Loan Solutions
Prime Jumbo, Non-QM, and Specialty Loans.
Nationwide Expertise
600+ Loan Officers with personalized service.
Trusted & Transparent
Honest guidance with integrity and service.
Explore Our Loans
Global Investors U.S. Property Financing Made Simple
The GMCC Universe Program simplifies U.S. property ownership for foreign nationals by eliminating traditional barriers. No U.S. credit, no income, no employment, and no DTI requirement for qualified asset holders.
* Local residents or Green cardholders are welcome too.
Universe (Foreign National)
Special Loan Program
30 YEAR FIXED PROGRAM
• 30 Year Fixed
• No DTI ratio needed
• No Income or Employment Needed!
✔All visa types accepted.
✔ No income, employment, or DTI verification required.
✔ Primary or second home eligible (40%+ down payment required for low rates).
✔ LTV up to 60% (primary/second homes).
✔ Loan amounts up to $2M (exceptions up to $7M).
✔ 100% gift funds allowed for down payment.
✔ 30-year fixed-rate
Lending Area: California, Georgia, Massachusetts, Nevada, Texas, and Washington Only.
GMCC Loan Eligibility Criteria
What You Need to Secure Your Loan
Pre-qualify with strong assets and flexible credit requirements. Designed to accommodate foreign nationals and local residents seeking U.S. home financing.
Strong Assets
Stocks, cash, equity, mutual funds, or real estate may be used.
Credit
FICO score of 680,
no FICO score is acceptable too.
Down Payment
A minimum of 40% is required for the low available rates.
Credit History
Applicants without U.S. credit history are accepted, except in bad credit cases.
General Lending Disclosure. Approval is not guaranteed. All loans are subject to underwriting approval, verification of income/assets, acceptable collateral,mid-score on credit report and program eligibility. Stated terms must be actually available and may vary based on borrower qualifications and property factors. Not all applicants will qualify. Programs, rates, and terms are subject to change without notice. This is not a solicitation where prohibited by law. Availability may vary by state.
Your Trusted Expert in U.S. Mortgage Solutions
Our experienced team of U.S. mortgage specialist is dedicated to supporting applicants through their homeownership journey.
Lending Area: California, Georgia, Massachusetts, Nevada, Texas, and Washington Only.
High Approval Success
With a deep focus on serving home buyers, we consistently achieve outstanding approval rates. Helping buyers to secure U.S. financing.
Comprehensive In-House Lending Solutions
GMCC provides comprehensive end-to-end mortgage services, featuring competitive rates, efficient processing, and a seamless, personalized experience.
Global Experience, Personalised Service
With clients from around the world, we understand the unique needs of international borrowers. Wherever you are, we’re here to help you achieve your dream of U.S. homeownership.
Dedicated to Mortgage Loan Lending
Our commitment is clear: We specialize in serving foreign nationals and U.S. expatriates, providing them with tailored, professional mortgage solutions.
Unlock Your Financial Potential with Our Personalized Loan Solutions
How It Works
A Simple 3-Step Process to Secure Your Loan
Getting a loan has never been easier! Follow our quick and hassle-free process:
Apply Online
Fill out a simple form in minutes.
Get Personalized Loan Options
We match you with the best available rates.
Secure Your Loan & Close Easily
Fast approvals and a seamless closing process.