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Seal Beach draws international buyers. The coastal setting and proximity to major employers make it a consistent target for non-US purchasers.
Foreign national loans are non-QM products. That means they sit outside standard Fannie Mae and Freddie Mac guidelines — and require a specialist lender.
25–40%
Min Down Payment
12–24 months
Reserves Required
Not required
US Credit Score
Non-QM
Loan Type
30–45 days
Typical Close Time
Foreign National Loans in Seal Beach
Most lenders require a valid passport and visa. No US credit score is needed — lenders use international credit or asset verification instead.
Expect a down payment of 25–40%. Reserves matter here. Lenders want to see 12–24 months of 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 Seal Beach.
Seal Beach draws international buyers. The coastal setting and proximity to major employers make it a consistent target for non-US purchasers.
Foreign national loans are non-QM products. That means they sit outside standard Fannie Mae and Freddie Mac guidelines — and require a specialist lender.
Most lenders require a valid passport and visa. No US credit score is needed — lenders use international credit or asset verification instead.
Your local bank won't do this loan. Foreign national programs live in the wholesale and private lending world — that's where we operate.
We work with 200+ wholesale lenders. A handful specialize in foreign national programs with real experience closing these deals.
The biggest deal-killer is unverifiable funds. If your down payment comes from an overseas account, it needs a paper trail. Start documenting early.
Interest rates on foreign national loans run higher than conventional. Rates vary by borrower profile and market conditions — but budget for a premium.
If you have a US Individual Taxpayer ID, an ITIN loan may give you better rates and lower down payment requirements than a foreign national product.
DSCR loans are another option for investment purchases. If the rental income covers the mortgage, your personal income and visa status matter less.
Seal Beach sits in Orange County, one of California's most competitive coastal markets. Properties here hold value — which lenders recognize.
Condos in Seal Beach may face additional lender scrutiny. HOA financials and owner-occupancy ratios affect which lenders will approve the loan.
Yes. Foreign national loans are built for exactly that situation. You need a valid passport, visa documentation, and verified funds.
Most lenders accept B1/B2, E, H, L, and O visas. Requirements vary by lender — this is where shopping programs matters.
Not always, but it helps. Some lenders accept international account statements. Others require US-based funds at closing.
Some lenders allow projected rental income on investment purchases. A DSCR loan may be a cleaner fit for that scenario.
Typically 30–45 days with complete documentation. Delays usually come from overseas fund verification, not the lender.
Some lenders allow entity purchases for foreign nationals. Terms differ significantly — fewer lenders offer this, and pricing reflects that.