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Los Alamitos sits in a corner of Orange County that draws international buyers. Proximity to Long Beach, strong schools, and quiet streets make it a target for foreign nationals investing in California real estate.
Foreign national loans are non-QM products. That means they fall outside standard agency guidelines — but they exist precisely for buyers U.S. lenders would otherwise turn away.
30–40%
Typical Down Payment
Not required
U.S. Credit Required
Non-QM
Loan Category
Valid Passport + Visa
Key Doc
Foreign National Loans in Los Alamitos
Most lenders want 30–40% down. That's higher than conventional, but it offsets the added risk of lending to someone without a U.S. financial footprint.
You'll need a valid passport and visa. Lenders also want proof of income from your home country — bank statements, tax returns, or a CPA letter work depending on the lender.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Los Alamitos.
Los Alamitos sits in a corner of Orange County that draws international buyers. Proximity to Long Beach, strong schools, and quiet streets make it a target for foreign nationals investing in California real estate.
Foreign national loans are non-QM products. That means they fall outside standard agency guidelines — but they exist precisely for buyers U.S. lenders would otherwise turn away.
Most lenders want 30–40% down. That's higher than conventional, but it offsets the added risk of lending to someone without a U.S. financial footprint.
Big retail banks rarely touch foreign national loans. This is a non-QM niche — portfolio lenders and specialty wholesale lenders own this space.
As a broker with access to 200+ wholesale lenders, SRK CAPITAL can shop this loan across multiple foreign national programs. Rates and terms vary significantly by lender. Rates vary by borrower profile and market conditions.
The biggest deal-killers I see: buyers who wait too long to gather foreign income docs, or who assume any lender will work. Start the document process early.
Some lenders require a U.S. bank account before closing. Others don't. Knowing which lender fits your specific situation is half the job — that's where having options wins.
If you have a U.S. ITIN number, an ITIN loan may offer better terms than a foreign national product. ITIN loans accept non-citizen borrowers who file U.S. taxes.
For investment purchases, a DSCR loan is worth comparing. DSCR lenders qualify based on rental income — not your personal income at all, foreign or domestic.
Los Alamitos is a small city — inventory is tight. Foreign national buyers need to move fast when a property hits the market. Having financing pre-arranged is critical.
Orange County title companies and escrow officers are familiar with foreign national transactions. That makes closings smoother here than in less active markets.
No. Foreign national loans don't require a U.S. credit history. Lenders use foreign income docs and a larger down payment instead.
Accepted visa types vary by lender. B1/B2 tourist visas are harder — E, L, and H visas are generally more accepted.
Yes. Many foreign national buyers target rentals in Orange County. A DSCR loan may also work for investment purchases.
Plan for 30–40% down. Some lenders go lower with strong income documentation, but that range is the most common.
Some lenders allow remote closings with proper notarization. This depends on the lender and the title company.
Orange County has strong resale value and rental demand. Los Alamitos specifically offers quiet neighborhoods near major employment centers.