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Cathedral City sits in the Coachella Valley — a destination market that attracts international buyers year-round.
Foreign nationals buying here are typically after vacation properties or investment rentals. This loan program exists for exactly that use case.
30%+
Min Down Payment
12 months
Reserves Required
No
US Credit Required
Non-QM
Loan Type
200+
Wholesale Lenders
Foreign National Loans in Cathedral City
You do not need a Social Security number or US credit file to qualify. Lenders use foreign credit references, bank statements, and asset documentation instead.
Most programs require 30% down or more. Reserves — typically 12 months of payments in the bank — matter a lot here.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Cathedral City.
Cathedral City sits in the Coachella Valley — a destination market that attracts international buyers year-round.
Foreign nationals buying here are typically after vacation properties or investment rentals. This loan program exists for exactly that use case.
You do not need a Social Security number or US credit file to qualify. Lenders use foreign credit references, bank statements, and asset documentation instead.
Retail banks rarely offer foreign national programs. Most of the real options sit with wholesale lenders — not on any bank's public rate sheet.
We work with 200+ wholesale lenders at SRK CAPITAL. A handful of them specialize in foreign national deals and price them competitively.
Documentation is where these deals fall apart. Get your foreign bank statements translated and your assets clearly sourced before you apply.
Some lenders also want a letter from a CPA or attorney in your home country. The earlier you gather this, the faster your close.
If you have an ITIN, you may qualify for ITIN loans with slightly better terms. DSCR loans are another option if the property generates rental income.
Foreign national loans are the broadest entry point. They require the least US documentation but carry higher rates and larger down payments.
Cathedral City has a strong short-term rental market. Many foreign national buyers here plan to rent via platforms like Airbnb when not in residence.
Riverside County has no city-level foreign buyer restrictions as of April 2026. But HOA rental rules vary — check those before you close.
Yes. Foreign national loans do not require a US credit file. Lenders use foreign credit references and bank statements to qualify you.
Most foreign national programs require at least 30% down. Some lenders go higher depending on property type and borrower profile.
Many foreign national buyers in Cathedral City do exactly that. Confirm rental allowances with the HOA and local zoning before closing.
Not always. Some lenders allow remote closings through a power of attorney. Ask your broker which lenders permit this.
ITIN loans require a US tax ID number. Foreign national loans do not — they are built for buyers with no US tax presence at all.
Yes. These are non-QM loans priced for higher lender risk. Rates vary by borrower profile and market conditions.