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Foreign National Loans in Hidden Hills
Hidden Hills attracts international buyers looking for gated privacy and equestrian estates. Foreign national loans let you purchase without US citizenship or credit history.
Most foreign buyers here target properties above $3M. These loans require larger down payments than conventional—typically 30-40% minimum.
We place deals with lenders who specialize in high-value California properties. Hidden Hills estates fit their preferred asset profile.
You need a valid passport and proof of income from your home country. No US credit score required—lenders evaluate your international profile.
Expect to show 6-12 months reserves after closing. Property appraisal and title insurance follow standard US protocols.
Some lenders accept visa holders; others work with anyone regardless of visa status. We match you based on your citizenship and documentation.
Only about 20 lenders in our network handle foreign national deals. Even fewer specialize in high-value California properties above $2M.
Rates typically run 1-2% above conventional programs. The premium reflects non-recourse structure and international underwriting complexity.
Some lenders cap at $3M. Others go to $10M for qualified borrowers with substantial assets. We know which ones handle Hidden Hills price points.
Most Hidden Hills foreign buyers bring 40-50% down even when 30% works. Larger equity improves rates and speeds approval.
Set up your US bank account before shopping. Lenders want to see funds seasoned domestically for 60 days minimum.
Immigration attorneys handle purchase structure—LLC versus personal ownership. Get that sorted before we submit to underwriting.
Hidden Hills HOA approval takes 2-3 weeks. Factor that into your closing timeline beyond normal loan processing.
ITIN loans work if you have US tax ID and domestic income. Foreign national programs skip both requirements entirely.
Asset depletion converts liquid assets into qualifying income. Foreign national underwriting often evaluates global wealth directly instead.
DSCR loans work for investment properties based on rental income. Hidden Hills buyers typically want primary or vacation homes where DSCR doesn't apply.
Hidden Hills requires community association approval for all purchases. International buyers should expect extra documentation requests about fund sources.
Properties here rarely generate rental income due to community restrictions. Plan on this as a personal-use asset, not investment property.
Equestrian properties need specialized appraisers familiar with horse facilities. We coordinate that before ordering standard residential appraisal.
Wire transfer from foreign accounts triggers additional compliance review. Budget 5-7 extra days for international fund verification.
Yes, we handle remote closings regularly. You'll need a US-based attorney and notarized documents from your country.
Expect 30-40% minimum for foreign nationals. Larger estates above $5M often need 40-50% down.
Required by most lenders. Open the account and season funds for 60 days before submitting your application.
Plan 45-60 days from application to closing. International document verification adds 2-3 weeks versus domestic loans.
Yes, but community restrictions limit rental potential. Most buyers use foreign national loans for primary or vacation homes here.
Mortgage financing for independent contractors and freelancers who earn 1099 income instead of traditional W-2 wages.
Mortgage programs that allow borrowers to qualify based on liquid assets rather than traditional employment income.
Non-QM loans that use 12 to 24 months of bank statements to verify income for self-employed borrowers.
Short-term financing that bridges the gap between buying a new property and selling an existing one.
Debt Service Coverage Ratio loans that qualify investors based on a rental property's income rather than personal income.
Asset-based short-term loans primarily used by real estate investors for property acquisition and renovation projects.
Mortgages that allow borrowers to pay only the interest for an initial period, resulting in lower monthly payments upfront.
Financing solutions tailored for real estate investors purchasing rental properties, fix-and-flip projects, or investment portfolios.
Home loans for borrowers who have an Individual Taxpayer Identification Number instead of a Social Security number.
Adjustable rate mortgages held in a lender's portfolio rather than sold on the secondary market, offering more flexible terms.
Non-QM mortgages that use a CPA-prepared profit and loss statement to verify income for self-employed borrowers.
Home loans with interest rates that adjust periodically based on market conditions after an initial fixed-rate period.
Specialized mortgage programs designed to support homeownership in underserved communities with flexible qualification criteria.
Mortgages that meet the guidelines and loan limits set by Fannie Mae and Freddie Mac for secondary market purchase.
Financing for building a new home or making major renovations, typically converting to a permanent mortgage upon completion.
Traditional mortgage financing not backed by a government agency, offering flexible terms and competitive rates for qualified borrowers.
Innovative loan products that leverage projected home equity growth to provide favorable financing terms.
Government-insured mortgages from the Federal Housing Administration with low down payments and flexible credit requirements.
A revolving line of credit secured by your home equity that allows you to borrow funds as needed during a draw period.
A fixed-rate second mortgage that provides a lump sum of cash by borrowing against the equity built in your home.
Mortgages that exceed the conforming loan limits set by the FHFA, designed for financing high-value luxury properties.
Loans for homeowners aged 62 and older that convert home equity into cash without requiring monthly mortgage payments.
Government-backed zero down payment mortgages for eligible rural and suburban homebuyers who meet income limits.
Government-guaranteed mortgages for eligible veterans, active-duty service members, and surviving spouses with zero down payment.