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Westmorland sits in Imperial County near the Salton Sea. Non-US citizens can buy here without a Social Security number.
Foreign national loans are non-QM products. That means lenders set their own rules — and those rules vary a lot.
None required (varies)
Min Credit Score
25% – 40%
Typical Down Payment
6–12 months
Reserves Required
No
SSN Required?
Non-QM
Loan Type
Foreign National Loans in Westmorland
Most lenders want a valid passport and visa. Some programs accept buyers with no US credit history at all.
Expect a down payment of 25% to 40%. The less US financial history you have, the more skin in the game lenders require.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Westmorland.
Westmorland sits in Imperial County near the Salton Sea. Non-US citizens can buy here without a Social Security number.
Foreign national loans are non-QM products. That means lenders set their own rules — and those rules vary a lot.
Most lenders want a valid passport and visa. Some programs accept buyers with no US credit history at all.
Most big banks won't touch foreign national loans. This is a wholesale and private lender product.
SRK CAPITAL has access to 200+ wholesale lenders. We find the few that actually specialize in these programs.
The biggest mistake foreign buyers make is assuming all lenders work the same. They don't. Reserves matter a lot here.
Most programs require 6–12 months of reserves in a US or foreign bank account. Show that upfront. It speeds everything up.
ITIN loans are a close cousin. If you have an ITIN number, you may qualify for better terms than a foreign national loan.
DSCR loans are another option if you're buying a rental. The property's rent income drives approval — not your personal income.
Imperial County borders Mexico. Many cross-border buyers target this area for agricultural land and investment properties.
Westmorland is a small market with limited inventory. Fewer competing buyers can work in your favor as a foreign national.
Yes. Many foreign national programs don't require US credit history. Lenders substitute foreign bank statements and asset documentation.
B1, B2, and other non-immigrant visas often qualify. Some lenders also work with buyers who have no US visa at all.
Plan on 25% minimum. Buyers without US financial history often need 30–40% down to get approved.
Agricultural land purchases face additional legal scrutiny. Consult a real estate attorney before pursuing this property type.
Yes. These are non-QM products and carry a rate premium. Rates vary by borrower profile and market conditions.
Yes — investment purchases are common with this program. Some lenders actually prefer rentals over primary residences for foreign buyers.