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Ridgecrest sits in Kern County's high desert, near Naval Air Weapons Station China Lake. That federal presence draws international contractors and defense professionals looking to buy here.
Foreign nationals can own U.S. property. The loan programs exist — they just work differently than standard mortgages.
30% or more
Min Down Payment
Not always
U.S. Credit Required
Non-QM
Loan Category
45–60 days
Est. Close Time
Higher
Rate vs Conventional
Foreign National Loans in Ridgecrest
No Social Security number? No U.S. credit history? Lenders work around that. They lean on your passport, visa, foreign bank statements, and asset documentation instead.
Most programs require 30% down or more. Rates run higher than conventional loans. 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 Ridgecrest.
Ridgecrest sits in Kern County's high desert, near Naval Air Weapons Station China Lake. That federal presence draws international contractors and defense professionals looking to buy here.
Foreign nationals can own U.S. property. The loan programs exist — they just work differently than standard mortgages.
No Social Security number? No U.S. credit history? Lenders work around that. They lean on your passport, visa, foreign bank statements, and asset documentation instead.
Retail banks almost never touch foreign national loans. This is a wholesale and portfolio lender product. You need a broker with access to the right lenders.
SRK CAPITAL works with 200+ wholesale lenders. Several specialize in foreign national programs for California buyers specifically.
The biggest deal-killer is documentation. Lenders want assets verified, funds sourced, and visa status confirmed — before they'll even quote you.
Get your foreign bank statements translated and certified early. Wire transfer records for the down payment need a clean paper trail. Start this 60–90 days out.
If you have a U.S. Individual Taxpayer ID, an ITIN loan may get you better terms. ITIN programs often allow lower down payments and have more lender options.
Investors buying a rental should look at DSCR loans instead. DSCR qualifies on the property's rent income — not your personal income or nationality.
Ridgecrest is a smaller Kern County market. Property values are lower than coastal California, which actually helps — your 30% down goes further here.
The city's ties to China Lake mean some foreign buyers are defense contractors on multi-year assignments. Lenders view stable employment contracts favorably, even foreign ones.
Yes. Foreign national loans are specifically built for buyers without permanent residency. You'll need a valid passport and visa documentation.
Most foreign national programs require at least 30% down. Some lenders require more depending on visa type and documentation strength.
Not always. Many lenders accept foreign bank statements. They do require certified translations and may ask for sourcing documentation.
Yes, but a DSCR loan might serve you better. DSCR qualifies on rental income, which removes nationality as a factor entirely.
Plan for 45–60 days minimum. Document translation and international asset verification add time compared to domestic loans.
Yes. These are non-QM loans and carry more lender risk. Rates are higher than conventional. Rates vary by borrower profile and market conditions.