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Cypress attracts international buyers — its location in Orange County puts it near major employment hubs and strong schools.
Foreign national loans let non-US citizens buy property here without a Social Security number or US credit history.
30-40%
Min Down Payment
No
US Credit Required
6-12 Months
Reserves Required
30-45 Days
Est. Closing Time
Non-QM
Loan Type
Foreign National Loans in Cypress
Most lenders want 30-40% down from foreign national borrowers. That large down payment replaces the credit profile a US borrower would bring.
You'll need a valid passport, proof of income from your home country, and 6-12 months of reserves in a US or international bank account.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Cypress.
Cypress attracts international buyers — its location in Orange County puts it near major employment hubs and strong schools.
Foreign national loans let non-US citizens buy property here without a Social Security number or US credit history.
Most lenders want 30-40% down from foreign national borrowers. That large down payment replaces the credit profile a US borrower would bring.
Most big retail banks won't touch foreign national loans. This is a non-QM product, and only specialty wholesale lenders offer it.
As a broker, we work with 200+ wholesale lenders — a handful specialize in foreign national programs and have consistent guidelines.
The biggest mistake foreign national buyers make is shopping retail banks first. You'll waste weeks and still hit a dead end.
Come in with your foreign bank statements translated and a clear story about your income source. Lenders price risk — clarity lowers your rate.
If you have an ITIN number, an ITIN loan may give you better terms than a foreign national program. ITIN loans allow US-based tax history.
DSCR loans are another option if you're buying as a rental. The property's income qualifies you — not your personal income at all.
Cypress has a significant Asian-American community and draws buyers from South Korea, China, and Taiwan. Lenders active here know that buyer profile.
Orange County property values are high. That means larger loan amounts — and foreign national jumbo options are limited, so lender selection matters.
Yes. Foreign national loans don't require US credit history. Lenders use your down payment size and foreign income documentation instead.
Accepted visas vary by lender. Many accept B1/B2 tourist visas — but some require investor or work visas. We match you to the right lender.
Plan for at least 30-40% down. Higher down payments offset the lack of US credit history and often improve your rate.
Most lenders accept foreign bank accounts for reserves. Statements need to be translated into English and cover 2-3 months of activity.
It can work, but a DSCR loan may be a better fit. DSCR loans qualify on rental income alone — no personal income docs needed.
Expect 30-45 days minimum. Document translation and international income verification add time compared to standard loans.