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Dana Point attracts international buyers. The harbor, cliffs, and resort lifestyle draw buyers from Europe, Asia, and Latin America.
Foreign national loans make that purchase possible. Standard US loan programs require Social Security numbers and US credit history — these don't.
30-40%
Min Down Payment
Not required
US Credit Score
Non-QM / Portfolio
Loan Type
45-60 days
Est. Close Time
Foreign National Loans in Dana Point
Most lenders want 30-40% down from foreign nationals. Higher down payments reduce lender risk when US credit history is absent.
You'll need a valid passport and visa documentation. Some lenders accept tourist visas. Others require specific visa classes.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Dana Point.
Dana Point attracts international buyers. The harbor, cliffs, and resort lifestyle draw buyers from Europe, Asia, and Latin America.
Foreign national loans make that purchase possible. Standard US loan programs require Social Security numbers and US credit history — these don't.
Most lenders want 30-40% down from foreign nationals. Higher down payments reduce lender risk when US credit history is absent.
Big banks mostly won't touch foreign national loans. This is a portfolio product — meaning smaller lenders hold these loans themselves.
We work with 200+ wholesale lenders at SRK CAPITAL. A handful specialize in foreign national programs. Finding the right one matters.
Income verification works differently here. Lenders often accept foreign income documents with a certified translation.
Some programs use asset depletion instead of income. If you have significant liquid assets, that can qualify you without pay stubs.
ITIN loans are similar but built for residents. Foreign national loans target buyers who live and earn outside the US.
DSCR loans are another option for investment buys. If the Dana Point property generates rental income, DSCR qualification may be easier.
Dana Point is a vacation and second-home market. Many foreign nationals buy here as a retreat, not a primary residence.
Non-owner-occupied pricing applies to second homes and investment properties. Expect a rate adjustment over primary residence pricing.
Yes. Foreign national programs don't require US credit history. Lenders use alternative documentation like bank records and foreign credit reports.
It depends on the lender. Some accept tourist visas. Others require B1/B2 or investment visas. We'll match you to the right program.
Most foreign national programs require 30-40% down. Higher down payments often unlock better rates.
Yes, many lenders accept foreign income with certified translations. Asset depletion is another option if you have strong liquid reserves.
Yes. Dana Point is a popular second-home market. These loans work for vacation and investment purchases, not just primary residences.
Expect a longer closing timeline. Document translation and foreign asset verification add time. Plan for 45-60 days minimum.