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Arcadia draws significant interest from international buyers. Its San Gabriel Valley location, strong schools, and established Chinese-American community make it a top target.
Foreign nationals buying here face a different lending path than US citizens. Standard conventional loans are off the table. You need a program built for this.
30% or more
Min Down Payment
Not always
US Credit Required
Non-QM
Loan Type
30–45 days
Est. Close Time
12–24 months
Reserves Needed
Foreign National Loans in Arcadia
Most lenders want a valid passport and visa. Some accept buyers with no US visa at all — that depends heavily on the lender.
Expect 30% down or more. Credit history from your home country rarely counts. Lenders rely on assets, reserves, and sometimes rental income instead.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Arcadia.
Arcadia draws significant interest from international buyers. Its San Gabriel Valley location, strong schools, and established Chinese-American community make it a top target.
Foreign nationals buying here face a different lending path than US citizens. Standard conventional loans are off the table. You need a program built for this.
Most lenders want a valid passport and visa. Some accept buyers with no US visa at all — that depends heavily on the lender.
Retail banks almost never touch foreign national loans. The programs live in the wholesale and private lending space — exactly where we operate.
We work with 200+ wholesale lenders. A handful specialize in foreign national deals. Matching you to the right one matters more than any single rate.
The biggest mistake I see: buyers show up with home-country bank statements in a foreign language with no translation. Get certified translations ready before you apply.
DSCR loans are worth considering if the property will generate rental income. They underwrite on rent, not your personal income — that sidesteps a lot of documentation headaches.
ITIN loans are a closer cousin to conventional financing. If you have a US tax ID and file US returns, that route may offer better rates and lower down payments.
Asset depletion loans work well for buyers with large liquid holdings but no traditional income stream. Both are non-QM options worth comparing side by side.
Arcadia properties often involve large down payments by choice. International buyers here frequently pay 40–50% down to reduce exposure and satisfy lender requirements.
Many transactions involve international wire transfers. US lenders require sourcing documentation on every dollar. Plan for this — it slows closings when buyers aren't prepared.
Some programs allow non-visa holders. Requirements vary by lender. A larger down payment usually helps in these cases.
Yes, especially with a DSCR loan. The lender underwrites on projected rent, not your personal income.
Most programs start at 30% down. Some lenders require 35–40% depending on your country of origin and asset profile.
Rarely. Most US lenders can't verify foreign credit bureaus. Strong reserves and assets carry more weight.
Expect 30–45 days minimum. International document collection and wire sourcing reviews add time. Start early.
Yes. Investment purchases are actually common with this program. DSCR loans pair especially well with Arcadia rentals.