Loading
Loading
Indian Wells draws serious international buyers. The desert enclave offers luxury golf communities, world-class tennis, and year-round sunshine.
Foreign national loans make ownership possible without a US credit history or Social Security number. Non-QM lenders built these programs for exactly this buyer.
30-40%
Min Down Payment
Not Required
US Credit Required
Non-QM
Loan Type
Varies by Lender
Visa Required
Foreign National Loans in Indian Wells
Most lenders want 30-40% down. Higher equity protects them when they can't verify income through US tax returns.
You'll need a valid passport, visa documentation, and proof of foreign income or assets. Some lenders accept a foreign credit report in lieu of a US credit profile.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Indian Wells.
Indian Wells draws serious international buyers. The desert enclave offers luxury golf communities, world-class tennis, and year-round sunshine.
Foreign national loans make ownership possible without a US credit history or Social Security number. Non-QM lenders built these programs for exactly this buyer.
Most lenders want 30-40% down. Higher equity protects them when they can't verify income through US tax returns.
Big banks rarely touch these loans. This is non-QM territory — specialty wholesale lenders set their own overlays and pricing.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in foreign national programs. We shop them to find the best fit for your profile.
The biggest deal-killer I see: buyers who show up without a US bank account. Open one before you apply. It simplifies fund verification.
Loan amounts in Indian Wells often push into jumbo territory. Some foreign national programs cap at lower limits — know your lender's ceiling before you fall in love with a property.
If you have an ITIN and US-based income, an ITIN loan likely gets you better terms than a foreign national program. The bar for documentation is lower.
DSCR loans are another route if you're buying as a rental investment. They qualify on the property's rent income — not yours — so your country of income doesn't matter as much.
Indian Wells sits in Riverside County. Property taxes run around 1.1% of assessed value — budget for that as an ongoing cost alongside your mortgage.
Many properties here are in HOA-governed golf or resort communities. HOA dues affect your debt-to-income ratio. Some foreign national lenders calculate this differently than conventional lenders do.
Yes. Foreign national programs don't require US credit history. Lenders use your passport, visa, and foreign financial documents instead.
Most lenders accept B1/B2, E, H, L, and O visas. Some lenders have no visa requirement at all for pure foreign nationals.
Plan on 30-40% down for most programs. Indian Wells prices often push loans into jumbo ranges, which can tighten down payment requirements.
Some lenders allow entity purchases. You'll need additional documentation. Not every lender in our network offers this — we'll identify who does.
Yes, typically. Non-QM risk pricing adds a premium. Rates vary by borrower profile and market conditions.
Generally yes. Indian Wells allows short-term rentals in some zones. Confirm local ordinances before purchase — rental rules vary by community.