Mortgage brokers, mortgage agents, and mortgage lending

Did you just win the lottery and decided to buy a villa in Rome ? You go to a mortgage banker in Washington, D.C. You share with the banker what has happened and what you would like to do. The banker in sitting across the table has a puzzled look on his face. The banker states he can only give you funding if the property is in the . Lenders in the cannot fund property outside of the . It is too risky. I would imagine that if they could and the matters became legal, the lender would not have any jurisdiction in the foreign country. What are your thoughts?