Loading
Loading
Foreign National Loans in San Fernando
Do I need a US Social Security number to qualify?
Foreign national loans are built for borrowers without US residency or credit history. You qualify on foreign bank statements and asset documentation instead.
01
San Fernando sits in Los Angeles County with 36 active listings on the market. The county's median household income is $87,760. Foreign national buyers here can qualify without a US credit history or Social Security number.
A foreign national loan requires a larger down payment and foreign asset documentation. 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
20%
Down payment required
$100K–$1.5M
Loan range
02
Foreign national loans for a primary residence require a minimum 600 representative credit score and a maximum 50.49 percent total debt-to-income ratio. The combined loan-to-value ratio caps at 80 percent, which means 20 percent down.
Loan amounts range from $100,000 to $1,500,000 for up to four units. Lenders verify income and assets through foreign bank statements, employment letters and property ownership documents instead of US tax returns.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in San Fernando.
San Fernando sits in Los Angeles County with 36 active listings on the market. The county's median household income is $87,760. Foreign national buyers here can qualify without a US credit history or Social Security number.
A foreign national loan requires a larger down payment and foreign asset documentation. SRK CAPITAL closes these files in 17 to 21 days, or 10 days when expedited.
Foreign national loans for a primary residence require a minimum 600 representative credit score and a maximum 50.49 percent total debt-to-income ratio. The combined loan-to-value ratio caps at 80 percent, which means 20 percent down.
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 is a specialized niche. Most mainstream lenders don't offer it; brokers like SRK CAPITAL access wholesale partners who do. Underwriting focuses on foreign asset strength and property equity rather than US credit history.
Documentation is the backbone of approval. Lenders want recent bank statements from your home country, proof of employment or business ownership, and a clear title to existing real estate. The process moves faster when files are complete upfront.
04
Foreign national loans make sense for international buyers who have strong assets but no US credit file. San Fernando's conforming limit for 2026 is $1,249,125, and the program's loan range tops out at $1,500,000.
The 20 percent down requirement is real, but it's the cost of entry for buyers without US residency. If you have foreign income and property, this program opens a door that conventional lending won't.
05
Conventional loans demand a US credit history and Social Security number. Foreign national loans skip that requirement entirely and underwrite on foreign assets instead. You trade a larger down payment for access.
FHA loans also require US credit and a Social Security number. Foreign national loans are the only path for borrowers without those credentials, even with excellent international financial standing.
06
LA County placed LAUSD under heightened fiscal oversight due to concerns about the district's ability to meet future financial obligations. School quality matters to families buying here.
The county estimates approximately 2,495 positions could be affected by the Paramount-Skydance merger. Job stability in the entertainment sector shapes the local economy and rental demand for investment properties.
FAQ
Foreign national loans are built for borrowers without US residency or credit history. You qualify on foreign bank statements and asset documentation instead.
A minimum 20 percent down payment is required for a primary residence. That's the trade-off for accessing credit without a US credit file.
Yes. The 2026 conforming limit here is $1,249,125. Loans range from $100,000 to $1,500,000 for up to four units on a primary residence.
Recent foreign bank statements, proof of employment or business ownership, and evidence of property ownership abroad. Lenders verify income and assets through your home country's financial institutions.
SRK CAPITAL closes foreign national loans in 17 to 21 days. Files close in 10 days when expedited.
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.