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Fullerton attracts international buyers — its universities, business corridors, and Orange County location make it a real target for foreign capital.
Foreign national loans fill a gap that conventional financing can't. No US credit history required. No Social Security number needed.
No
US Credit Required
25–40%
Min Down Payment
Non-QM
Loan Type
No
SSN Required
Varies by lender
Rate Type
Most lenders want a valid passport, visa documentation, and proof of foreign income or assets. The exact docs depend on your country of origin and loan program.
Expect a larger down payment — typically 25% to 40%. Lenders price for the added risk of lending to someone without a US financial footprint.
Most retail banks won't touch foreign national loans. This is a wholesale and portfolio lender space — and not every broker has access.
At SRK CAPITAL, we work with 200+ wholesale lenders, including several that specialize in foreign national and non-QM programs across California.
The single biggest deal-killer I see: buyers who wait too long to gather foreign financial docs. Start early — translation and verification take time.
Some lenders require a US bank account with seasoned funds at closing. Others don't. Matching your profile to the right lender is half the work.
If you have an ITIN number, an ITIN loan may offer better terms than a foreign national program. The two products overlap but aren't the same.
Investors buying for rental income should also look at DSCR loans. Some foreign nationals qualify based on the property's cash flow — not personal income at all.
Fullerton sits in northern Orange County, close to Cal State Fullerton and major employment hubs. That drives steady rental demand — relevant if you're buying as an investment.
Orange County property values hold well. For a foreign buyer parking capital in US real estate, Fullerton offers more entry-level price points than coastal OC cities.
Yes. Foreign national loans don't require an SSN. A valid passport and visa are typically the baseline identity documents.
Accepted visa types vary by lender. B1/B2 tourist visas, investor visas, and others may qualify. Some programs lend to buyers with no US visa at all.
Most foreign national programs require 25–40% down. Higher down payments reduce lender risk and can improve your rate.
Possibly. A DSCR loan uses the property's projected rent to qualify — not your personal income. That's worth exploring if you're buying as an investment.
Some lenders require seasoned US funds at closing. Others don't. This is one of the key differences between programs — lender selection matters.
Yes. They fall outside standard qualified mortgage guidelines. That means portfolio lenders set the rules — and terms vary more than on conventional loans.
Foreign National Loans in Fullerton