Question 1

Do I need a Social Security number to apply?

Accepted Answer

No. Foreign national loans use your passport and visa instead. A Social Security number or ITIN is not required for most programs.

Question 2

Can I buy in Aliso Viejo as a non-resident?

Accepted Answer

Yes. Non-residents can purchase property in California with no legal restrictions. The loan program has requirements — California law does not.

Question 3

What visa types qualify for foreign national loans?

Accepted Answer

Most visa types qualify, including E-2, L-1, H-1B, and others. B-1/B-2 tourist visas typically face stricter terms and higher down payment requirements.

Question 4

How much do I need to put down?

Accepted Answer

Plan for 25-30% down minimum. Some lenders require more depending on visa type, country of origin, and the property's intended use.

Question 5

Can a foreign national buy an investment property here?

Accepted Answer

Yes. A DSCR loan may actually work better than a foreign national program for rentals. We'll run both options and show you the difference.

Question 6

How long does the process take?

Accepted Answer

Expect 30-45 days once documents are in order. Foreign asset verification and international wire transfers are the most common sources of delay.

Foreign National Loans in Aliso Viejo, CA