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Foreign National Loans in Long Beach
Do I need US credit history to qualify for a foreign national loan?
Yes and no. The program qualifies you on international assets and credit instead of a US file. A minimum 600 credit score and proof of financial strength still apply.
01
Long Beach's median home price sits at $1,099,455 as of early September 2026. Homes move in roughly 47 days, with 858 active listings on the market.
At $649 per square foot, Long Beach pricing remains stable. Foreign nationals buying here qualify on assets and international credit rather than US history.
600
Minimum credit score
50.49%
Maximum debt-to-income
20%
Minimum down payment
$100K–$1.5M
Loan range
02
Foreign national loans require a minimum 600 representative credit score for a primary residence. Your total debt-to-income ratio cannot exceed 50.49 percent.
A combined loan-to-value ratio of 80 percent or less applies, meaning 20 percent down on a primary residence. Loan amounts range from $100,000 to $1,500,000 for up to 4 units.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Long Beach.
Long Beach's median home price sits at $1,099,455 as of early September 2026. Homes move in roughly 47 days, with 858 active listings on the market.
At $649 per square foot, Long Beach pricing remains stable. Foreign nationals buying here qualify on assets and international credit rather than US history.
Foreign national loans require a minimum 600 representative credit score for a primary residence. Your total debt-to-income ratio cannot exceed 50.49 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 loans are written by a smaller set of lenders than conventional or agency programs. Underwriting focuses on international assets, employment history, and global credit rather than US credit bureaus.
SRK CAPITAL shops foreign national loans across its wholesale lender network to find the best fit for your profile. Closings typically take 17 to 21 days, or 10 days when expedited.
04
Foreign national loans make sense in Long Beach when you have substantial assets but limited US credit history. The 20 percent down requirement and stricter loan-to-value cap mean this program works best for buyers with equity or cash reserves.
At $1,099,455 median price, a Long Beach purchase on a foreign national loan sits near the top of the program's range. Buyers with $220,000 in down payment and strong international financials fit the profile well.
05
Conventional loans require US credit history and typically ask for less down. Foreign national loans skip the credit bureau requirement but ask for more cash upfront and stricter debt-to-income limits.
If you have US credit and employment, conventional financing may offer more flexibility. If you're new to the US and hold international assets, a foreign national loan opens the door without waiting for US credit to build.
06
Long Beach sits in Los Angeles County, where the median household income is $87,760. This income level supports the $1,099,455 median home price for buyers with sufficient down payment and reserves.
LA County's education system faces fiscal oversight concerns, which may affect long-term school funding and property values. Buyers should factor school stability into their purchase decision.
FAQ
Yes and no. The program qualifies you on international assets and credit instead of a US file. A minimum 600 credit score and proof of financial strength still apply.
A minimum 20 percent down applies for a primary residence. On Long Beach's $1,099,455 median price, that's roughly $219,891 in down payment.
The program caps at $1,500,000 for a primary residence. Long Beach's median price of $1,099,455 sits comfortably within that range.
SRK CAPITAL closes foreign national loans in 17 to 21 days. Expedited files close in 10 days.
Yes. The program allows up to 4 units on a primary residence. Your debt-to-income ratio and down payment requirements remain the same.
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.