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Holtville sits in Imperial County, a border region with deep ties to Mexico. That geography drives real demand for foreign national financing.
Non-US citizens looking to buy here face a narrower lending market. Most banks won't touch this loan type. That's where a broker with wholesale access matters.
Not Required
US Credit Required
25–30%
Min Down Payment
6–12 Months
Reserves Required
Non-QM
Loan Category
Foreign National Loans in Holtville
You don't need a Social Security number or US credit history to qualify. Lenders use foreign credit reports, bank statements, or asset documentation instead.
Down payments typically start at 25-30%. Lenders price the higher risk into both the rate and the reserve requirements. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Holtville.
Holtville sits in Imperial County, a border region with deep ties to Mexico. That geography drives real demand for foreign national financing.
Non-US citizens looking to buy here face a narrower lending market. Most banks won't touch this loan type. That's where a broker with wholesale access matters.
You don't need a Social Security number or US credit history to qualify. Lenders use foreign credit reports, bank statements, or asset documentation instead.
Foreign national loans are non-QM products. That means they fall outside standard Fannie Mae and Freddie Mac guidelines. Only specialty wholesale lenders handle them.
At SRK CAPITAL, we work with 200+ wholesale lenders. A handful specialize in foreign national programs. We know which ones move fast and which ones stall on documentation.
The biggest deal-killer we see is documentation. Foreign buyers often have assets but can't translate them into what US lenders need. Get your paperwork translated and notarized early.
Visa type matters too. Some lenders only accept specific visa categories. B-1, B-2, and tourist visa holders face tighter restrictions than E-2 or L-1 holders.
If you have an ITIN number, an ITIN loan may offer better rates and lower down payment requirements. Foreign national loans are for buyers with no US tax footprint at all.
DSCR loans are another option if you're buying a rental property. Income from the property qualifies you — not your personal foreign income. That simplifies approval significantly.
Holtville is a small agricultural city. Properties here tend to be affordable by California standards. That works in a foreign national buyer's favor given the higher down payment requirements.
Imperial County borders Baja California. Many buyers here have ties to Mexicali. That cross-border connection is exactly who foreign national loans were built for.
Yes. Lenders use foreign credit reports or bank statements instead. No US credit history is required for foreign national programs.
It depends on the lender. E-2, L-1, and some B-visa holders can qualify. We match you to lenders based on your specific visa.
Expect 25-30% minimum for most foreign national programs. Some lenders require more depending on documentation and property type.
Yes. A DSCR loan may actually be a better fit for rentals. We can compare both options for your situation.
Not always. Many lenders accept foreign bank statements for asset verification. Having a US account does make the process smoother.