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Placentia sits in the heart of Orange County — a market that consistently draws international buyers. The city's stability and proximity to major employment hubs make it a real target for non-US investors.
Foreign national loans fill a gap that conventional programs won't touch. No US credit history, no Social Security number — these programs are built for exactly that situation.
30–40%
Min Down Payment
12 months
Reserves Required
Not required
US Credit Required
30–45 days
Typical Close Time
Non-QM
Loan Classification
Foreign National Loans in Placentia
You don't need a Social Security number or US credit file to qualify. Lenders use foreign credit reports, bank statements, or asset documentation instead.
Most programs require 30–40% down. Reserves matter a lot here — expect lenders to want 12 months of mortgage payments sitting in a verifiable account.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Placentia.
Placentia sits in the heart of Orange County — a market that consistently draws international buyers. The city's stability and proximity to major employment hubs make it a real target for non-US investors.
Foreign national loans fill a gap that conventional programs won't touch. No US credit history, no Social Security number — these programs are built for exactly that situation.
You don't need a Social Security number or US credit file to qualify. Lenders use foreign credit reports, bank statements, or asset documentation instead.
Retail banks rarely touch foreign national loans. This is a wholesale and non-QM lender space. Most borrowers won't find these programs walking into a branch.
We work with 200+ wholesale lenders — and only a fraction of them actively do foreign national programs. Knowing which ones price competitively right now matters.
The biggest deal-killer I see is documentation. Translating foreign bank statements and tax records takes time. Start that process early — before you're under contract.
Wire transfer history for the down payment is scrutinized hard. Funds need a clear paper trail from a foreign bank to a US account. No cash. No untraceable transfers.
If you have an ITIN, you may qualify for ITIN loans instead — those often have better rates than pure foreign national programs. Worth checking before committing.
DSCR loans are another path if the property will generate rental income. They underwrite the property's cash flow, not your personal income. No income docs required.
Placentia has a strong owner-occupant culture. Foreign national buyers purchasing investment property here will face HOA scrutiny on rentals in some communities.
Orange County title and escrow companies handle international transactions regularly. That's an advantage — local professionals here know how to close these deals.
Yes. Foreign national loans don't require a US credit file. Lenders use foreign credit reports or asset documentation to qualify you.
Most programs accept buyers on B1/B2, E, H, L, O, or investor visas. Some programs lend to buyers with no US visa at all.
Plan on 30–40% down for most foreign national programs. Higher down payments can improve your rate.
Some lenders allow entity purchases, but it adds layers. Expect more documentation and potentially higher rates.
Typically 30–45 days, but document translation and international wire verification can add time. Build in buffer.
Yes. These are non-QM loans with more lender risk. Rates vary by borrower profile and market conditions.