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Maricopa sits in southern Kern County, an oil and agriculture region with low entry prices. That makes it attractive for foreign nationals buying U.S. investment property.
Foreign national loans are non-QM products. That means they fall outside standard agency guidelines — and most retail banks won't touch them.
Not Required
U.S. Credit Score
30–40%
Typical Down Payment
6–12 Months
Reserves Required
Non-QM
Loan Type
Foreign National Loans in Maricopa
You don't need a Social Security number or U.S. credit file. Lenders qualify you on foreign credit documents, bank statements, or asset reserves.
Most programs require 30–40% down. Expect a minimum of 6–12 months of reserves in a verifiable account. 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 Maricopa.
Maricopa sits in southern Kern County, an oil and agriculture region with low entry prices. That makes it attractive for foreign nationals buying U.S. investment property.
Foreign national loans are non-QM products. That means they fall outside standard agency guidelines — and most retail banks won't touch them.
You don't need a Social Security number or U.S. credit file. Lenders qualify you on foreign credit documents, bank statements, or asset reserves.
Your local bank will likely say no. Foreign national loans require wholesale lenders with dedicated non-QM desks — not every lender offers this.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in foreign national programs with competitive terms for California purchases.
The biggest deal-killer is documentation. Foreign income and assets must be translated, notarized, and formatted to U.S. lender standards. Start gathering that early.
Some lenders want a U.S. bank account open before closing. Others require a visa with remaining validity. Knowing which lender fits your visa type saves weeks.
ITIN loans are a close alternative if you have a tax ID but no green card. They often have lighter reserve requirements than foreign national programs.
DSCR loans work well if you're buying a rental. Qualification is based on property income — not your personal income or nationality. That's a real advantage here.
Maricopa's price points are among the lowest in California. A foreign national buyer can enter the market at a fraction of what coastal cities cost.
Most purchases here are investment-focused. That pairs well with DSCR or foreign national rental property programs, where cash flow drives approval.
Yes. Foreign national loans are built for non-residents. You don't need a green card or permanent residency to qualify.
It depends on the lender. B1/B2, E, L, and O visas are common. Some lenders restrict certain visa categories — ask before applying.
No. Most foreign national programs build a credit profile from foreign documents, bank statements, and asset verification instead.
Usually yes, with proper documentation. Statements must be translated and often notarized to meet U.S. lender requirements.
Maricopa has low entry prices by California standards. That can mean accessible deal sizes for foreign buyers entering the U.S. market.
ITIN loans require a U.S. tax ID number. Foreign national loans don't — they're designed for buyers with no U.S. tax or credit footprint at all.