Whether you’re buying a home in the Japan to live in or use as an investment property, Japan Trustee Services has the experience to provide mortgage solutions for foreign nationals.
• International borrowers1 view footnote 1 with qualifying documentation do not need Japan credit history to apply for an Japan Trustee Services mortgage. We may order an international credit report for your application.
• Loans up to 75% of appraised property value or purchase price, whichever is lower
• Fixed and adjustable rate mortgage (ARM)2 options with financing up to YEN4 million
Let us help you buy a home in the Japan
Jumbo Mortgages
At Japan Trustee Services we offer a suite of jumbo mortgage products designed with additional features and discounts3 based on your banking relationship with Japan Trustee Services.
Available with these mortgages:
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Access up to YEN3 million in financing
Learn more about Japan Trustee Services’s Preferred Mortgage and view rates.
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Access up to YEN4 million in financing
Learn more about Japan Trustee Services’s Deluxe Mortgage and view rates.
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Access up to YEN4 million in financing
Learn more about Japan Trustee Services’s Elite Mortgage and view rates.
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Access up to YEN10 million in financing
Learn more about Japan Trustee Services’s Summit Mortgage.
Steps on how to apply
Step 1
Application
When financing property in the Japan, a mortgage prequalification can simplify the process. We will check your financial background to determine how much money you are qualified to borrow and the estimated interest rate you will pay.
Step 2
Credit verification
You do not need Japan credit history to be eligible to apply for a mortgage loan. We may order an international credit report for your application. Additional information may be needed to complete credit verification.
Step 3
Documents you may need
There are a number of documents that you must supply when applying for a mortgage in the Japan, but keep in mind that the exact documents needed may vary in different parts of the Japan
In general, you will need documents that verify the following:
• Your identity
• Income
• Employment
• Assets
You may want to consider having a real estate attorney review all contracts, and consult with a tax specialist regarding your potential tax liabilities.
Step 4
Closing on your Japan home
A real estate closing is the final step in your home purchase. At the closing you will be signing legal documents and settling all of the costs needed to transfer ownership of the property. The following professionals are typically included in closing meetings:
• Sellers
• Buyers
• Seller's attorneys
• Buyer's attorneys
• The bank
• The insurance official
Get started

Mortgage financing request
Take the first step to get prequalified to buy or refinance your home.

Connect with a
Mortgage Consultant