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Barstow sits at a major crossroads in San Bernardino County. Its location along I-15 makes it attractive to international buyers eyeing California desert property.
Foreign national loans are non-QM products. That means they fall outside standard Fannie Mae and Freddie Mac guidelines — but they're a real and active part of the market.
30%+
Min Down Payment
No
US Credit Required
12 months typical
Reserves Required
Non-QM
Loan Category
200+ Wholesale
Lender Access
Foreign National Loans in Barstow
No US credit history required. Lenders use foreign credit reports, bank statements, or asset documentation instead.
Most lenders require 30% down or more. Reserves of 12 months or higher are commonly required on top of that.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Barstow.
Barstow sits at a major crossroads in San Bernardino County. Its location along I-15 makes it attractive to international buyers eyeing California desert property.
Foreign national loans are non-QM products. That means they fall outside standard Fannie Mae and Freddie Mac guidelines — but they're a real and active part of the market.
No US credit history required. Lenders use foreign credit reports, bank statements, or asset documentation instead.
Very few retail banks offer foreign national loans. This is a specialty product — you need a broker with wholesale access to lenders who actually do these deals.
SRK CAPITAL works with 200+ wholesale lenders. We know which ones price foreign national loans competitively and which ones to avoid. Rates vary by borrower profile and market conditions.
The biggest mistake foreign national buyers make is assuming all lenders treat this loan the same. They don't. Seasoning requirements, reserve calculations, and eligible property types all vary.
Bring your foreign passport, two years of bank statements, and a reference letter from your home country bank. Walking in prepared cuts weeks off the process.
If you have an ITIN number, an ITIN loan may offer better terms than a foreign national program. ITIN loans treat you more like a domestic borrower.
Buying as an investment? A DSCR loan — which qualifies based on rental income, not personal income — may be the cleaner fit for a Barstow rental property.
Barstow's price points are lower than coastal California. That actually helps foreign buyers — smaller loan sizes mean easier reserve requirements to satisfy.
The city's proximity to Las Vegas and Los Angeles makes short-term rental demand real here. That's worth considering when choosing between a foreign national loan and a DSCR structure.
No. Lenders accept foreign credit reports or bank statements. No US credit history is required for foreign national loans.
Yes, investment properties are eligible. A DSCR loan may also be worth comparing if the property will generate rental income.
Most foreign national programs require 30% or more down. Some lenders require higher down payments based on property type.
Many lenders allow remote closings. Your broker can walk you through the exact documentation and signing process for non-resident buyers.
Bring your foreign passport, two years of bank statements, and a bank reference letter from your home country institution.
No. ITIN loans are for borrowers with a US tax ID. Foreign national loans require neither a US tax ID nor a Social Security number.