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Villa Park is one of Orange County's most exclusive enclaves. Non-US citizens buying here need a loan built for their situation.
Foreign national loans fill that gap. They don't require a US credit history, Social Security number, or domestic tax returns.
30–40%
Min Down Payment
Not Required
US Credit Score
Non-QM
Loan Type
30–45 Days
Est. Close Time
Fixed or ARM
Rate Type
Foreign National Loans in Villa Park
Most lenders want 30–40% down from foreign nationals. Larger down payments reduce lender risk on cross-border deals.
You'll need a valid passport, visa documentation, and proof of foreign income or assets. Some lenders also require a reference letter from your home country bank.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Villa Park.
Villa Park is one of Orange County's most exclusive enclaves. Non-US citizens buying here need a loan built for their situation.
Foreign national loans fill that gap. They don't require a US credit history, Social Security number, or domestic tax returns.
Most lenders want 30–40% down from foreign nationals. Larger down payments reduce lender risk on cross-border deals.
Most retail banks won't touch foreign national loans. This is a non-QM product — non-traditional, portfolio-held by private lenders.
SRK CAPITAL works with 200+ wholesale lenders. Several specialize in cross-border transactions for high-value California properties.
The biggest deal-killer I see? Buyers who wire funds without a paper trail. Lenders need documented, sourced funds for the down payment.
Work with a broker who understands international wire documentation. A misstep here can kill escrow at the last minute.
If you have a US ITIN number, an ITIN loan may offer better terms. DSCR loans work well if you're buying Villa Park as a rental investment.
Foreign national loans are best when you have no US footprint at all. No ITIN, no US income, no domestic credit — this is the program for you.
Villa Park homes are large, private, and tend to transact off-market. Foreign buyers often target this city for its quiet streets and top-rated schools.
As of April 2026, Orange County remains a high-demand market for international buyers. Properties here hold value well, which matters to foreign national lenders.
Yes. Foreign national loans don't require US credit history. Lenders use your passport, visa, and foreign financial records instead.
Most programs accept B1/B2, E, L, and H visas. Some lenders work with buyers who have no US visa at all.
Expect 30–40% down. Higher down payments can improve your rate. Rates vary by borrower profile and market conditions.
Yes, though a DSCR loan may be a better fit for investment use. Your broker can compare both programs side by side.
Plan for 30–45 days minimum. International wire documentation and lender review add time compared to standard loans.
Not always. Some lenders allow remote closing through a US consulate or power of attorney. Confirm this with your lender early.