NATO/Foreign Nationals Program - Google Landing Page

Specially designed for foreign nationals and NATO personnel, this program offers flexible qualification criteria to support those serving in specific roles.

Apply Now

Union Square Mortgage Team Members

Our NATO/Foreign Nationals Program is tailored for designated foreign nationals and NATO pilots, providing a pathway to homeownership with unique eligibility requirements. This program allows eligible individuals to secure mortgage loans without requiring a social security number or credit score. To qualify, applicants need only a letter from their commanding officer verifying income, length of stay, and proof of assets—making it an ideal solution for those who may face obstacles with traditional mortgage requirements due to their international status.

Terms:

Adjustable Rate Mortgage (ARM): 5/1, 7/1, 10/1 FIXED: 15 Year

Eligibility:

No Credit Score, Tax Returns, or Social Security Number required
A letter from the commanding officer providing proof of income, length of stay, and proof of assets.
Down Payment: 10% required

Get My Mortgage Options

See what loans you qualify for - no pressure, no commitment.

Select Your Personal Loan Officer

Pick the person you want to guide you through the process.

Why Choose Union Square Mortgage?

Unique NATO-Friendly Program:

Union Square Mortgage is one of the few lenders offering a specialized mortgage program tailored exclusively for NATO personnel and designated foreign nationals, making homeownership simple, accessible, and stress-free—even without a Social Security Number, tax returns, or credit score.

Deep Military Roots:

Founded in 1957 on Sheppard Air Force Base, we've proudly served thousands of military families, understanding and supporting their unique financial journeys for over 60 years.

Competitive Rates:

Access some of the most competitive mortgage rates available, saving you money over the life of your loan.

Personalized Service and Clear Communication:

Receive individualized attention from a dedicated mortgage professional who keeps you informed and supported through every step of the process.

Fast Approvals:

Benefit from our streamlined approval process, designed to get you into your new home quickly and efficiently.

Flexible Terms:

Choose mortgage terms that best fit your specific financial goals and life plans.

Dedicated Team:

Your loan is processed by a team that offices together, no outsourced functions.

What Our Members Say

“Union Square was the only bank or credit union willing to give us a mortgage when we came from Europe. When we made our final payment, the staff surprised us with confetti—it was an outstanding moment. They helped us achieve our dream.”
— Wolfgang & Sheri Lunte

“The mortgage process was extremely easy—very quick, painless, and completely straightforward. Union Square provided me with a clear timeline and a list of documents from the beginning, so there were no surprises. I would absolutely recommend them to anyone.”
— Paula Lyons

Let’s Find the Right Loan for You

Have questions about buying, refinancing, or what you can afford? Fill out the form below to get personalized guidance from a local loan advisor — no pressure, just help.

Your information is secure and confidential. We'll reach out within one business day.

* Required