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San Marino's median home price sits well above the Los Angeles County median, attracting international buyers seeking California real estate. Foreign nationals without U.S.
The county's median household income of $87,760 reflects the broader Los Angeles market, but San Marino properties typically command prices far above that benchmark.
30% to 50%
Typical Down Payment
None — international OK
Credit History Required
45 to 60 days
Closing Timeline
Not required
FICO Score Needed
International bank statements
Proof of Funds
Foreign National Loans in San Marino
Foreign national loans in San Marino require substantial down payments — typically 30% to 50% depending on the lender and property type.
Credit history works differently for foreign nationals. Many lenders accept international credit reports or will approve based on cash reserves alone.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in San Marino.
San Marino's median home price sits well above the Los Angeles County median, attracting international buyers seeking California real estate. Foreign nationals without U.S.
The county's median household income of $87,760 reflects the broader Los Angeles market, but San Marino properties typically command prices far above that benchmark.
Foreign national loans in San Marino require substantial down payments — typically 30% to 50% depending on the lender and property type.
Foreign national lending in California is a specialized niche. Most traditional retail banks and brokers don't offer these programs — you'll need lenders who focus on international clients.
Closing timelines run longer than domestic loans because of international wire transfers and currency verification. Expect 45 to 60 days from application to close.
Foreign national loans make sense in San Marino when you have substantial international wealth but no U.S. credit history or residency. The program's higher down payment requirement (30%+) is offset by the ability to close without years of U.S.
The real advantage appears when comparing to alternatives. A foreign national can't easily qualify for conventional or FHA loans without U.S. credit and residency. Jumbo programs require similar down payments but demand U.S.
Jumbo loans require 20% down and strong U.S. credit scores — typically 700+. Foreign national programs skip the credit score entirely but ask for 30% to 50% down. If you have U.S. credit and residency, jumbo is faster and cheaper.
Conventional loans are off the table for foreign nationals without U.S. residency. FHA loans require a Social Security number and credit history. Foreign national programs exist precisely because those doors close.
San Marino's location in the San Gabriel Valley puts it near top-rated schools and established neighborhoods. The city's small size (about 13,000 residents) and proximity to Pasadena and South Pasadena make it attractive to international buyers seeking a...
The area's stability and long-term property values appeal to foreign investors. San Marino has consistent appreciation and low turnover, meaning your investment is likely to hold or gain value over time.
Yes. An ITIN (Individual Taxpayer Identification Number) or valid visa serves the same purpose. You'll need passport verification and proof of funds from international banks. The lender will handle ITIN application if you don't have one.
Expect 30% to 50% down depending on the lender and property. Some lenders go as low as 25% for strong international credit profiles. The exact amount depends on your proof of funds and the property type.
Plan for 45 to 60 days. International wire transfers and currency verification add time. Domestic loans typically close in 30 days, so expect an extra 2-4 weeks.
No. Foreign national programs accept international credit reports or approve based on cash reserves alone. Many lenders skip credit scores entirely and focus on proof of funds instead.
International bank statements (usually 2-3 months), tax returns or business ownership proof, passport, and employment letter if applicable. Wire transfer authorization and currency conversion documentation are also required at closing.