Buying property in France from the USA: mortgage insurance, step by step

Planning to buy a home in France while living in the United States? Here is where borrower insurance fits in your journey.

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For a US resident buying in France, loan insurance should be planned as early as the loan offer: many insurers decline non-residents. Here are the steps.

1. Define your project

Second home on the Riviera, pied-à-terre in Paris, rental investment: the project influences both the loan and the insurance.

2. Look at the financing

French banks set their own conditions for non-residents, and each bank sets the insurance cover it requires.

3. Plan the insurance early

Many insurers decline non-residents. It is better to look for a solution when you receive the loan offer than to discover the problem at the last minute.

4. Choose: the bank’s insurance or your own insurer

If the bank cannot insure you, or if you want to compare, we look for a suitable contract and present it to the bank.

5. After signing

You can also change your insurance later. We are reachable by phone, WhatsApp and e-mail.

How it works

You contact us by phone, WhatsApp, e-mail or at the agency: free analysis, no commitment.
You send your documents: loan offer, current insurance contract (if any), amortization schedule, ID or passport.
We study your situation and look for solutions with the insurers we can offer.
You choose, and we handle the steps with your bank.

Frequently asked questions

When should I think about insurance?

As soon as you receive the loan offer, ideally before signing.

Can I do everything remotely?

Most insurance steps can be done remotely. We tell you what has to be signed and how.