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Foreign National Loans in Commerce
Can I get a foreign national loan without a US credit score?
Yes. Foreign national loans qualify on foreign assets and proof of funds instead of a US credit file. You'll need a minimum 600 representative credit score.
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Commerce sits in Los Angeles County with a median home price of $700,000. The market has 13 active listings, showing steady inventory. Foreign nationals buying here can qualify without a US credit file or residency history.
A foreign national loan works on foreign assets and a larger down payment instead of US income and credit. SRK CAPITAL closes these files in 17 to 21 days, or 10 days when expedited.
600
Minimum credit score
50.49%
Maximum debt-to-income
80%
Maximum LTV
17–21 days
Closing window
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Foreign national loans require a minimum 600 representative credit score for a primary residence. The maximum total debt-to-income ratio is 50.49 percent. These thresholds apply to primary residences and shape what lenders will approve.
Loan amounts range from $100,000 to $1,500,000 for a primary residence. The combined loan-to-value ratio cannot exceed 80 percent. You can finance up to four units under this program.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Commerce.
Commerce sits in Los Angeles County with a median home price of $700,000. The market has 13 active listings, showing steady inventory. Foreign nationals buying here can qualify without a US credit file or residency history.
A foreign national loan works on foreign assets and a larger down payment instead of US income and credit. SRK CAPITAL closes these files in 17 to 21 days, or 10 days when expedited.
Foreign national loans require a minimum 600 representative credit score for a primary residence. The maximum total debt-to-income ratio is 50.49 percent. These thresholds apply to primary residences and shape what lenders will approve.
Rate check
Tell us the price range, down payment and credit range you are working with. We compare every lender we work with and show you the options side by side.
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Foreign national loans are a specialized product. Brokers work with lenders that focus on this niche. Underwriting centers on foreign assets, proof of funds, and the property appraisal rather than US income documentation.
SRK CAPITAL works with lenders that offer foreign national products. The program requires solid documentation of foreign wealth and a larger down payment. Closing happens in 17 to 21 days, or 10 days when expedited.
04
Foreign national loans make sense for buyers with strong foreign assets but no US credit file. This program opens the door to Commerce's $700,000 median market without years of US credit building.
The 80 percent loan-to-value cap means a 20 percent down payment at minimum. That's steeper than conventional financing, but it's the trade-off for skipping US credit history entirely.
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A foreign national loan qualifies on foreign assets instead of US income and credit. Conventional loans demand a US credit file and W-2 income; foreign national loans don't. Both require an appraisal and proof of funds.
The foreign national program carries a higher down payment (80 percent LTV maximum) than conventional financing allows. In exchange, you skip the US credit-building timeline and the need for a Social Security number.
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LA County placed LAUSD under heightened fiscal oversight due to concerns about the district's ability to meet future financial obligations. That's relevant if schools matter to your decision—the district is working through budget pressures.
The Paramount-Skydance merger is affecting local employment, with LA County estimating approximately 2,495 positions at risk in the region. Commerce's economy is tied to warehousing and light manufacturing.
FAQ
Yes. Foreign national loans qualify on foreign assets and proof of funds instead of a US credit file. You'll need a minimum 600 representative credit score.
A minimum 20 percent down payment, since the maximum combined loan-to-value is 80 percent. On a $700,000 home, that's $140,000 down.
SRK CAPITAL closes foreign national loans in 17 to 21 days. Expedited files close in 10 days.
Foreign national loans cap at $1,500,000 for a primary residence. You can finance up to four units under this program.
No. Foreign national loans don't require a US Social Security number. You qualify on foreign assets, proof of funds, and the property appraisal instead.
Programs for first-time buyers that allow lower down payments and more forgiving credit and income rules.
Explore refinancing options to lower your rate, tap equity, or switch loan terms.
SRK CAPITAL in Los Angeles County
Our team of licensed mortgage brokers works Los Angeles County every week. Tell us where you are in the process and we will map out the loan, the timeline and the money you need at closing, with no obligation.
What working with us looks like
Licensed mortgage brokers
You talk with a broker, not a call center, from the first question to closing day.
17-21 day typical close
Most purchase loans close in 17-21 days once your paperwork is in.
Every county in California
We work across the state, including Los Angeles County, so local limits and rules are already familiar.
Financing solutions for rental properties, fix-and-flip projects, and real estate portfolios.
Mortgage programs with alternative income documentation for business owners and freelancers.
Federally insured or guaranteed programs (FHA, VA, USDA) that let lenders accept lower credit scores and smaller down payments.
Traditional mortgage options meeting standard lending guidelines with various term structures.
Alternative lending programs for borrowers who need flexible documentation or unique loan structures.
This page is for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates, terms, and program availability can change and vary by borrower and property. Consult a licensed mortgage professional for guidance on your scenario.