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Hemet sits in the San Jacinto Valley — inland Riverside County, where prices run well below coastal California.
That affordability attracts foreign nationals looking to buy U.S. property without breaking seven figures.
Not Required
U.S. Credit Score
25-30%
Min Down Payment
12 Months
Reserves Required
30-45 Days
Est. Close Time
Non-QM
Loan Category
Foreign National Loans in Hemet
You do not need a Social Security number or U.S. credit history to qualify. Most lenders want a valid passport and visa documentation instead.
Down payments typically start at 25-30%. Reserves matter — expect lenders to require 12 months of liquid assets after closing.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Hemet.
Hemet sits in the San Jacinto Valley — inland Riverside County, where prices run well below coastal California.
That affordability attracts foreign nationals looking to buy U.S. property without breaking seven figures.
You do not need a Social Security number or U.S. credit history to qualify. Most lenders want a valid passport and visa documentation instead.
Big retail banks mostly pass on foreign national loans. These deals live in the non-QM and portfolio lending space.
SRK CAPITAL works with 200+ wholesale lenders. We know exactly which ones actively price foreign national deals in Riverside County.
The biggest deal-killer we see: buyers who wait too long to verify fund sourcing. Foreign wire documentation takes time.
Get your bank statements translated and certified early. Underwriters will ask — being ready cuts weeks off your timeline.
ITIN loans are a close alternative for non-citizens with U.S. tax history. If you have an ITIN, you may get better rates than a foreign national program.
DSCR loans work if the Hemet property will be a rental. Income comes from the property — not your personal finances abroad.
Hemet has a strong rental market and a large retiree population. Foreign national buyers here often target single-family rentals over vacation properties.
Riverside County has no foreign buyer restrictions. Title and escrow companies in Hemet handle international transactions regularly.
Yes. Foreign national loans don't require U.S. credit history. Lenders use your passport, visa, and international bank records instead.
Most lenders accept B1/B2 tourist visas and other non-immigrant visas. Requirements vary by lender — ask your broker upfront.
Yes. Many foreign national buyers in Hemet buy as investment rentals. A DSCR loan may actually price better for rental purchases.
Expect 30-45 days minimum. International fund sourcing and document translation add time — start paperwork early.
Not always, but it helps. Having a U.S. account speeds up wire transfers and satisfies some lenders' reserve verification requirements.
Yes. Non-QM foreign national programs carry rate premiums over conventional loans. Rates vary by borrower profile and market conditions.