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Foreign National Loans in Hawaiian Gardens
Can I get a foreign national loan without a US credit score?
Yes. Foreign national loans are built for borrowers without US credit history. You qualify on foreign bank statements, assets, and income instead.
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Hawaiian Gardens sits in Los Angeles County where the median home price is $744,990. Homes here spend about 64 days on the market, with 34 active listings available.
Foreign national buyers qualify on foreign assets and income without a US credit history. The program works for primary residences up to $1,500,000 and closes in 17 to 21 days.
600
Minimum credit score
50.49%
Maximum debt-to-income
80%
Maximum LTV
$100K–$1.5M
Loan range
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Foreign national loans require a minimum 600 representative credit score for a primary residence. You'll also need a maximum 50.49 percent total debt-to-income ratio and a combined loan-to-value ratio not to exceed 80 percent.
Loan amounts range from $100,000 to $1,500,000 for primary residences, and you can finance up to 4 units. Foreign assets and bank statements replace W-2 income and US credit history entirely.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Hawaiian Gardens.
Hawaiian Gardens sits in Los Angeles County where the median home price is $744,990. Homes here spend about 64 days on the market, with 34 active listings available.
Foreign national buyers qualify on foreign assets and income without a US credit history. The program works for primary residences up to $1,500,000 and closes in 17 to 21 days.
Foreign national loans require a minimum 600 representative credit score for a primary residence. You'll also need a maximum 50.49 percent total debt-to-income ratio and a combined loan-to-value ratio not to exceed 80 percent.
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.
03
Foreign national lending sits outside conventional and agency channels. Lenders underwrite on documented foreign assets, bank deposits, and property equity rather than US credit files.
SRK CAPITAL shops foreign national loans across its wholesale lender network to match your asset profile and down payment. Most files close in 17 to 21 days; expedited files can close in 10 days.
04
Foreign national loans make sense for buyers with strong foreign assets and a 20 percent down payment who lack US credit. At $744,990 median price in Hawaiian Gardens, that's roughly $149,000 down—a real hurdle unless your foreign bank account can cover it.
If you have US employment or a US credit file, conventional financing runs faster and cheaper. Foreign national is the right tool only when US credit is absent and foreign assets are solid.
05
Foreign national loans ignore US credit and replace it with foreign assets. Conventional loans demand a US credit file but accept smaller down payments.
Foreign national underwriting focuses on your foreign bank statements and property value. Conventional looks at US payment history and income. Pick foreign national when you have no US credit; pick conventional when you do.
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LA County placed LAUSD under heightened fiscal oversight due to concerns about the district's financial obligations. Buyers with school-age children should explore private school options.
The Paramount-Skydance merger puts roughly 2,495 local jobs at risk across LA County. Job stability matters when financing a home.
FAQ
Yes. Foreign national loans are built for borrowers without US credit history. You qualify on foreign bank statements, assets, and income instead.
You need a minimum 20 percent down payment. On the $744,990 median price here, that's roughly $149,000.
Foreign national loans cap at $1,500,000 for a primary residence. You can finance up to 4 units.
SRK CAPITAL closes foreign national loans in 17 to 21 days. Expedited files close in 10 days.
Foreign national loans run on foreign income and foreign assets. US employment is not required.
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.