Jia Finance is an online platform that provides mortgages to foreigners purchasing residential real estate in the US. Unlike other lenders, the company takes an asset-based approach to underwriting and uses the latest data analysis technology as well as AI and identity verification to quickly make underwriting decisions to fund mortgages for international buyers. Jia Finance provides an easy to use, online, and efficient platform for investors to quickly obtain financing to fit their needs. This cuts the entire real estate transaction period in this market from a typical 90 days down to 30 days. The company initially focuses on buyers from Asia (primarily from China) who are the biggest drivers of non-resident real estate purchasers in the US due to its steady growth of upper middle class and demand to diversify assets towards international real estate.