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Adelanto sits in the High Desert, one of California's most affordable entry points. Non-US citizens buying here get more purchasing power than in coastal markets.
San Bernardino County attracts foreign national buyers looking for investment properties and vacation homes. Lower price points make cash flow easier to achieve.
Not Required
US Credit Score
30%
Min Down Payment
12 Months
Reserves Required
Non-QM
Loan Category
Foreign national loans don't require a US credit score or Social Security number. Lenders qualify you on foreign credit, assets, or rental income instead.
Most lenders want a 30% down payment minimum. Reserves of 12 months of payments are standard — sometimes more for investment properties.
Very few retail banks touch foreign national loans. This is a non-QM product — meaning it lives in the wholesale and private lending space.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize specifically in foreign national programs with competitive terms.
The biggest delay I see is documentation. Get your foreign bank statements translated and notarized before you start shopping properties.
Visa type matters more than most buyers expect. B-1 and B-2 visa holders face stricter terms than E-2 or L-1 visa holders on most programs.
ITIN loans are worth comparing if you live in the US part-time and have a tax history here. They sometimes come with better rates than foreign national programs.
DSCR loans judge the property's rental income, not your personal income or nationality. For Adelanto investment properties, that can be a cleaner path.
Adelanto has a significant rental market, which matters for foreign nationals buying as investors. A property that cash flows supports your loan file.
San Bernardino County has no local transfer tax beyond state requirements. That keeps closing costs more predictable for out-of-country buyers.
Yes. Lenders use foreign credit reports or asset documentation instead. You don't need a US credit score to qualify.
Most lenders accept a wide range of visas, including B-1, B-2, E-2, and L-1. Terms vary by visa type and lender program.
Expect a minimum of 30% down. Some lenders require more depending on property type and your documentation strength.
Yes, and Adelanto's rental market makes it a practical choice. A DSCR loan may also work if the property generates strong rental income.
Plan for 30-45 days minimum. Document translation and international verification add time versus a standard domestic loan.
Not always. Some lenders allow remote closings with a power of attorney. Confirm this requirement early with your broker.
Foreign National Loans in Adelanto