International · Texas
Foreign National Second Home in Texas
Want a vacation home in Texas? Get financed without a U.S. credit score and enjoy a true second home.
Common challenges we solve
- Want to avoid all-cash purchase
- Need flexibility on visa status
- Wire and remote-closing logistics
What you get with Lumos
Financing options for second homes
Personal-name or LLC closings
Currency-flexible reserve documentation
What's different in Texas
A Texas second home doesn't get the homestead exemption, so you'll pay the full property-tax rate, plus any MUD or PID assessment in newer areas. Coastal homes, such as in the Galveston area, may also need windstorm and flood coverage.
Loan programs that typically fit
Frequently asked
- Can I rent it part of the year?
- Occasional rental is fine on second-home programs; heavy rental requires investment financing.
- Will I need to travel for closing?
- No — we coordinate consulate or remote notarization.
