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San Jacinto sits in the Inland Empire, one of California's most affordable entry points for property ownership.
Foreign nationals buying here get real estate value that coastal markets can't match. Lower price points mean smaller loan amounts and less exposure.
30%+
Min Down Payment
Non-QM
Loan Type
Foreign credit OK
Credit Requirement
60+ days recommended
Doc Prep Lead Time
6–12 months
Reserves Required
Foreign National Loans in San Jacinto
No US credit history? That's expected. Lenders use foreign credit reports, bank statements, or asset documentation instead.
Most programs require 30% down or more. Loan-to-value limits are stricter than conventional loans — plan for that upfront.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in San Jacinto.
San Jacinto sits in the Inland Empire, one of California's most affordable entry points for property ownership.
Foreign nationals buying here get real estate value that coastal markets can't match. Lower price points mean smaller loan amounts and less exposure.
No US credit history? That's expected. Lenders use foreign credit reports, bank statements, or asset documentation instead.
Foreign national loans are non-QM products. Most banks won't touch them. You need a broker with wholesale access to specialty lenders.
SRK CAPITAL works with 200+ wholesale lenders. Several specialize specifically in foreign national programs across Riverside County.
The biggest deal-killer we see: buyers who don't bring enough documentation from their home country. Start gathering bank records early.
Visa type matters a lot. B-1/B-2 visa holders face tighter restrictions than E-2 or L-1 holders. Know your visa class before you apply.
ITIN loans are a close alternative. If a foreign national has an IRS-issued ITIN number, that program may offer better terms.
DSCR loans work well for rental properties — income from the property qualifies you, not personal income from abroad.
San Jacinto's lower price points help foreign buyers stay within program loan limits. Less borrowing means easier approval thresholds.
Riverside County has no local transfer tax beyond state requirements. That's one less cost for international buyers to plan around.
Yes, B-1/B-2 visa holders can purchase property. Financing is harder to get — expect stricter terms and higher down payments.
Some lenders require one, others don't. We match you to programs based on what you actually have.
Most foreign national programs require 30% minimum. Some lenders push that to 35-40% depending on visa and income source.
Yes. Lenders accept documented foreign income — tax returns, employer letters, or bank statements from your home country.
Yes. Non-QM programs carry higher rates than conventional. Rates vary by borrower profile and market conditions.
Yes, and a DSCR loan may actually be a better fit. Rental income from the property can replace foreign income documentation.