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Yorba Linda draws international buyers. The city's large homes, top-ranked schools, and quiet streets appeal to families relocating from abroad.
Foreign national loans make that purchase possible. These are non-QM programs built for buyers who don't have U.S. credit history or tax returns.
25–30%
Min Down Payment
No
U.S. Credit Required
Non-QM
Loan Type
45–60 Days
Est. Close Time
Fixed or ARM
Rate Type
Foreign National Loans in Yorba Linda
Most lenders want a valid passport, visa documentation, and proof of foreign income or assets. U.S. credit is not required.
Down payments typically run 25–30%. Lenders offset the added risk with a larger equity position upfront.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Yorba Linda.
Yorba Linda draws international buyers. The city's large homes, top-ranked schools, and quiet streets appeal to families relocating from abroad.
Foreign national loans make that purchase possible. These are non-QM programs built for buyers who don't have U.S. credit history or tax returns.
Most lenders want a valid passport, visa documentation, and proof of foreign income or assets. U.S. credit is not required.
Most retail banks won't touch foreign national loans. This is a specialty product. You need a broker with access to non-QM wholesale lenders.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in foreign national programs with competitive terms.
The biggest mistake I see is buyers showing up with only foreign bank statements in a language lenders can't process. Get certified translations early.
Some lenders also require a U.S. bank account to be established before closing. Start that process the moment you go under contract.
If you have an ITIN — a U.S. tax ID issued to non-citizens — you may qualify for ITIN loans with slightly better terms than foreign national programs.
DSCR loans are another path if you're buying as an investment. They qualify on rental income, not personal income. No visa requirements apply.
Yorba Linda sits in Orange County, which has a large international community. Lenders familiar with the area understand the buyer profile.
Properties here tend to be single-family homes. That's a clean collateral type most foreign national lenders prefer over condos or mixed-use.
No. Foreign national loans don't require U.S. credit history. Lenders use foreign bank statements and asset documentation instead.
B1, B2, E, H, L, and O visas are commonly accepted. Requirements vary by lender, so we check program guidelines case by case.
Yes. Non-residents can purchase property in California. A foreign national loan is the standard financing path for that scenario.
Expect 25–30% down. Some lenders require more depending on the country of origin and visa type. Rates vary by borrower profile and market conditions.
Some foreign national programs allow investment purchases. A DSCR loan may be a stronger fit if rental income will cover the mortgage.
Longer than a standard loan. Document translation, foreign asset verification, and lender review add time. Budget 45–60 days minimum.