Lending

U.S. Mortgage Loans for Foreign Investors

Get access to competitive U.S. financing to buy, refinance, or cash out from your investment properties.
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Benefits of U.S. Financing

📈 Competitive rates with terms of up to 30 years
⚡ Fast and hassle-free pre-approval
📊 Clear, predictable monthly payments
💵 Access credit in U.S. dollars — no residency or visa required
🔄 Flexible options for purchase, refinance, or cash-out

How to Apply

  • 1

    Download the Spider Connect app on your phone.

  • 2

    No Spider account needed — existing clients log in for faster setup.

  • 3

    In the main menu (Marketplace), swipe left on the top bar until you see Lending, located next to Bank Account.

  • 4

    Complete your application fully online in just minutes.

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Perfect For

💼
Foreign investors who already own property in the U.S.
🔑
Buyers looking to finance their first investment property.
💵
Property owners seeking to refinance or cash out equity.
🏢
Companies or LLCs expanding their U.S. real estate portfolio.

Get simple and remote U.S. real estate financing.

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Frequently Asked Questions

Do you work with investors from all countries?

We work with investors from most countries around the world. However, due to international regulations, some jurisdictions are restricted and must be reviewed individually.

What’s the maximum financing amount?

We finance up to 70% of the property’s value (LTV) — allowing you to leverage your investment up to three times compared to an all-cash purchase.*
*Subject to property evaluation and document verification.

How long does approval take?

The average approval and closing time is around 30 business days, as long as all required documents are provided. Some loans are approved in as little as 20 days.

Do I need a U.S. credit score?

No. Our loans are designed for foreign investors without a U.S. credit history. We assess eligibility based on your financial profile in your home country and the property’s income potential.

What documents are required?

You won’t need a visa, Social Security Number, or FICO score.
Just provide:
‍
• Valid passport
• Proof of income or financial statements
• Property information (title or purchase contract)
• LLC or company documents (if applicable)

We’ll guide you step by step — no need to translate your documents.

Can I apply if I don’t own a property yet?

Yes. You can apply to finance a new purchase, as long as the property has been identified and an appraisal is available.

Do you offer refinancing or cash-out options?

Yes. If you already own a property, you can refinance to improve your loan terms or do a cash-out to access capital for new investments.

Loans are originated and funded by Waltz, Inc. and its affiliated entities (Waltz Capital Fund 1 LLC and Waltz Capital Fund 2 LLC) in all U.S. states except Arizona, where loans are originated by Waltz Mortgages LLC (License BK-2001372, NMLS 2620819).Spider does not originate or broker loans; it provides digital access to these lending services. Rates, terms, and eligibility are subject to credit review, property evaluation, and final approval by Waltz. This product is intended solely for business or investment purposes, secured by non-owner-occupied rental properties. Certain states may not be eligible.