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Calabasas attracts international buyers. Gated communities, top-rated schools, and proximity to LA make it a target for overseas investors and relocating executives.
Foreign national loans fill a real gap here. Most conventional programs require a US credit history — these don't.
25–30%
Min Down Payment
12+ months
Reserves Required
No
US Credit Required
30–45 days
Est. Close Time
You'll need a valid foreign passport and proof of income from your home country. Lenders typically want 12–24 months of bank statements or a CPA letter.
Down payments run higher than conventional loans. Expect 25–30% down minimum. Reserves of 12+ months are common.
Most retail banks won't touch these loans. The programs live in the wholesale and private lending world — which is exactly where SRK CAPITAL operates.
We have access to 200+ wholesale lenders. A handful specialize in foreign national programs with competitive terms.
The biggest deal-killer we see? Buyers underestimate the reserve requirement. Having a great down payment isn't enough — lenders want to see liquid assets after closing.
Wire transfer documentation matters too. If funds are moving internationally, lenders will scrutinize the paper trail. Get that documentation organized early.
If you have an ITIN, you may qualify for ITIN loans instead. Those programs sometimes offer slightly better terms for borrowers with US tax history.
Investors buying rental property in Calabasas should also look at DSCR loans. Those qualify based on rental income — not personal income at all.
Calabasas properties often sit in HOA communities. Some lenders add scrutiny to HOA-governed condos and gated developments under foreign national programs.
Los Angeles County has no foreign buyer restrictions like some other states. But title and escrow timelines can stretch — budget extra time for international wire coordination.
Yes. Foreign national programs don't require US credit history. Lenders use foreign bank statements and income docs instead.
Most programs require 25–30% down. Higher down payments can improve your rate. Rates vary by borrower profile and market conditions.
No SSN is required for most foreign national programs. A valid passport and visa documentation are typically sufficient.
Some programs allow it. A DSCR loan may be a better fit if rental income is your primary qualification strategy.
Expect 30–45 days minimum. International wire transfers and document verification add time — plan accordingly.
Foreign National Loans in Calabasas