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Calipatria sits in Imperial County, close to the US-Mexico border. That location makes it a real target for cross-border buyers.
Foreign nationals can buy here as investment or vacation property. Lenders treat these as non-QM loans — outside standard agency guidelines.
Foreign credit OK
Min Credit Required
30%+
Typical Down Payment
12 months typical
Reserves Required
Non-QM / Portfolio
Loan Type
30–45 days
Est. Closing Time
Foreign National Loans in Calipatria
No US credit history required. Lenders use foreign credit reports, bank references, or asset statements instead.
Most lenders want 30% down or more. Reserves of 12 months are common. The stronger your asset picture, the better.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Calipatria.
Calipatria sits in Imperial County, close to the US-Mexico border. That location makes it a real target for cross-border buyers.
Foreign nationals can buy here as investment or vacation property. Lenders treat these as non-QM loans — outside standard agency guidelines.
No US credit history required. Lenders use foreign credit reports, bank references, or asset statements instead.
Big retail banks rarely touch foreign national loans. This is portfolio lender territory — they hold the loan themselves.
We work with 200+ wholesale lenders, including several that specialize in foreign national programs. That reach matters on a loan like this.
The biggest mistake foreign national buyers make: assuming US income docs work the same way. They don't. Plan for a full asset review.
Some lenders also want a US bank account opened before closing. Start that process early — it can take weeks.
If you have a US-issued ITIN, you may qualify for ITIN loans instead. Those often have better rates and lower down payment requirements.
Buying as a rental? A DSCR loan — which qualifies based on rent income, not your personal income — may be a cleaner fit.
Imperial County has lower price points than coastal California. That works in your favor — smaller loan amounts mean more lender options.
Cross-border commuters and seasonal buyers drive demand in this area. A rental property here can produce income year-round.
No. Lenders accept foreign credit reports or bank references. A strong asset profile can substitute for US credit history.
Eligible visa types vary by lender. B-1, B-2, and many others qualify. Your broker matches you to lenders who accept your specific visa.
Plan for at least 30% down. Some lenders require more depending on your country of origin and documentation.
Yes. In fact, a DSCR loan may work better — it qualifies the property on rent income, not your personal income.
Yes. Imperial County is eligible. Lower price points here actually help, since smaller loan sizes meet more lenders' guidelines.
Expect 30-45 days minimum. Opening a US bank account and gathering foreign documents can add time — start early.