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La Habra sits at the edge of Orange County — close to LA, with a dense international buyer base. Foreign nationals regularly target this corridor for investment and relocation.
This is a non-QM loan. Standard Fannie Mae rules don't apply. Lenders underwrite based on assets, reserves, and property income — not a US tax return.
30–40%
Min Down Payment
No
US Credit Required
30–45 Days
Typical Close Time
No
SSN Required
12+ Months
Reserves Required
Foreign National Loans in La Habra
Most lenders want 30–40% down. The larger down payment replaces the credit profile a domestic borrower would provide.
You'll need a valid foreign passport, proof of income from your home country, and 12 months of reserves — sometimes more. No US Social Security number required.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in La Habra.
La Habra sits at the edge of Orange County — close to LA, with a dense international buyer base. Foreign nationals regularly target this corridor for investment and relocation.
This is a non-QM loan. Standard Fannie Mae rules don't apply. Lenders underwrite based on assets, reserves, and property income — not a US tax return.
Most lenders want 30–40% down. The larger down payment replaces the credit profile a domestic borrower would provide.
Most retail banks won't touch these loans. The lenders who do are portfolio lenders — they keep the loan on their own books instead of selling it.
We work with 200+ wholesale lenders, and only a fraction offer foreign national programs. Rate and reserve requirements vary significantly between them. Shopping matters here.
The biggest deal-killer we see: buyers showing up without organized foreign bank statements. Get 12 months translated and ready before you make an offer.
Entity purchases — buying through a foreign LLC or corporation — add complexity. Some lenders allow it, some won't. Know your structure before you choose a lender.
If you have an ITIN number and file US taxes, an ITIN loan likely gets you better terms. Foreign national loans are for buyers with no US tax footprint at all.
DSCR loans are another option if you're buying a rental. DSCR qualifies on the property's rent income — not yours. That sidesteps the foreign income documentation entirely.
La Habra's location on the Orange–LA County line makes it a practical buy for international buyers who need access to both metro areas.
Orange County's title and escrow companies are experienced with foreign national transactions. That matters — closing is smoother when the transaction team has done this before.
No. Lenders use foreign credit reports or asset documentation instead. A large down payment and strong reserves carry the most weight.
Yes. Many foreign nationals use this program for investment purchases. A DSCR loan may also work — ask us to compare both.
Expect to provide a passport, 12 months of bank statements, and proof of income. Documents in a foreign language must be translated.
Some portfolio lenders allow entity purchases. It narrows your lender options and may affect your rate. Confirm your structure early.
Plan for 30–45 days. Document translation and international wire transfers add time. Have everything organized before you open escrow.
Yes. Rates are higher because these are portfolio loans with no government backing. Rates vary by borrower profile and market conditions.