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Mission Viejo draws international buyers. The master-planned community, top schools, and Orange County location make it a target for non-US citizens buying a second home or investment property.
Foreign national loans fill a real gap. US banks rarely lend to non-residents, but wholesale lenders built programs specifically for this borrower profile.
30% (typical)
Min Down Payment
Not required
US Credit Required
45–60 days
Est. Close Time
Non-QM
Loan Category
12+ months PITI
Reserves Often Required
Foreign National Loans in Mission Viejo
These are non-QM loans. That means lenders set their own rules — and requirements vary significantly across the 200+ wholesale lenders we work with.
Most programs want a valid passport, visa documentation, and a foreign credit report or bank reference letter. Expect a minimum 30% down payment on most programs. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Mission Viejo.
Mission Viejo draws international buyers. The master-planned community, top schools, and Orange County location make it a target for non-US citizens buying a second home or investment property.
Foreign national loans fill a real gap. US banks rarely lend to non-residents, but wholesale lenders built programs specifically for this borrower profile.
These are non-QM loans. That means lenders set their own rules — and requirements vary significantly across the 200+ wholesale lenders we work with.
Retail banks almost never do these loans. Foreign national programs live in the wholesale and private lending space — which is exactly where we operate.
Not every wholesale lender offers this program. We know which ones do, what their overlays are, and which have the best pricing for Mission Viejo purchase prices.
The biggest mistake I see is buyers waiting too long to get pre-qualified. Foreign national files take longer to underwrite. Start the process before you find the property.
Currency matters too. Some lenders want assets held in US dollars. Others accept foreign accounts. Know this before you open escrow — it can stall a deal fast.
If you have a US Individual Taxpayer Identification Number, an ITIN loan might qualify you for better terms. ITIN programs can allow lower down payments on some files.
Investors buying Mission Viejo rentals should also look at DSCR loans. If the rental income qualifies the property, your personal income and nationality become less relevant.
Mission Viejo is a planned community with HOAs on most properties. Foreign national borrowers need to budget for HOA dues — lenders count them in your debt ratios.
Orange County title and escrow companies handle international transactions regularly. That said, foreign buyers should expect additional notarization and wire transfer documentation steps.
Yes. Most foreign national programs accept a foreign credit report or bank reference letter instead. You will not need a US credit history to qualify.
Accepted visa types vary by lender. B-1, B-2, and certain investor visas are commonly approved. We match your visa type to lenders who accept it.
Most foreign national programs require at least 30% down. Some lenders require more depending on the property type and loan amount.
Yes. Investment properties are a common use case. A DSCR loan may also work if the rental income supports the payment on its own.
Expect 45 to 60 days. Document collection from foreign institutions adds time. Starting early gives you the best chance of a clean close.
Not always, but many lenders prefer it for closing funds and reserves. We will tell you upfront what each lender requires before you apply.