Financing in the U.S. — explained in your language.

Many international and ITIN borrowers are turned away by conventional lenders — not because the deal is weak, but because they don't fit a standard box: no U.S. credit history, income earned abroad, or no Social Security number. On top of that, navigating unfamiliar financial language in a second language makes an already-hard process feel impossible. Too often, real options go unexplained simply because no one took the time — or spoke the language.

Kyon was founded by an advisor who is fluent in English, Portuguese, and Spanish — and who understands what it's like to navigate U.S. finance as a newcomer. We take the time to understand your situation, explain the paths that may be open to you, and walk you through every step in the language you think in. Nothing lost in translation, and nothing assumed.

• Foreign national paths For non-resident buyers and investors, there may be qualification paths based on assets or the property rather than U.S. credit and income. (When available/applicable.)
• ITIN paths For borrowers who file taxes with an ITIN rather than a Social Security number, there may be options depending on your profile. (When available/applicable.)
• Asset-based qualification Paths that look at your assets or a property's cash flow rather than traditional U.S. income documentation.
• Investment-property (DSCR) options For those buying U.S. rental property, qualifying may be based on the property's cash flow.

Availability depends on eligibility and is subject to underwriting, valuation, title, insurance, documentation, and program guidelines. Kyon helps you evaluate options and, for mortgages, connects you with the right licensed lending channel; we are not the mortgage lender.

• Are you buying a home to live in, a second home, or an investment property?
• Where is your income earned, and how is it documented?
• Do you have a U.S. credit history, an ITIN, or neither?
• What do you have available for a down payment, and where is it held?
• Which language would you feel most comfortable having these conversations in?

What applies depends on your situation, and we'll give you a clear list — but typically some combination of: identification / passport · proof of income (which may be foreign-earned) · bank or asset statements · ITIN documentation, if applicable · for investment property, the property and rental details · insurance information.

Consultation → Options Review → Application or Deal Review → Documents → Pre-Approval or Term Discussion → Property/Deal Selection → Underwriting → Closing — with every step explained in your language. (Subject to underwriting, valuation, title, insurance, documentation, and program guidelines.)

• Assuming you don't qualify — because one bank said no, when other paths may exist.
• Not having documents translated or organized — which slows everything down.
• Misunderstanding the terms — agreeing to something not fully explained in your language.
• Overlooking asset-based paths — focusing on U.S. income you may not have, instead of assets or property cash flow you do.
• Working with someone who can't explain it clearly — and missing important details as a result.