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Chino sits in the Inland Empire, one of Southern California's most active corridors for international buyers. The area draws foreign nationals looking for value relative to LA County.
Foreign national loans are non-QM products. That means no US credit history required and no Social Security number needed to qualify.
30–40%
Min Down Payment
No
US Credit Required
12+ months
Reserves Required
Non-QM
Loan Type
Most lenders want 30–40% down from foreign national borrowers. Higher equity protects the lender when US credit data is absent.
You'll need a valid passport, visa documentation, and proof of foreign income or assets. Some lenders accept a foreign credit report in place of a US file.
Most retail banks won't touch foreign national loans. This is a wholesale and non-QM lender product. Access matters here.
Working with a broker who has non-QM relationships is the difference between getting a deal closed and hitting a wall at every bank.
The biggest deal-killers I see: insufficient reserves and incomplete foreign income docs. Get those two things tight before you apply.
Some lenders restrict eligible visa types. B-1, B-2, and tourist visas are trickier. E-2, L-1, and H-1B visas typically clear more lenders.
If you have an ITIN, you may qualify for an ITIN loan instead. Those programs sometimes allow lower down payments than foreign national products.
Investors buying Chino rentals should also look at DSCR loans. DSCR qualifies on property cash flow — no income docs from your home country needed.
Chino has a large Chinese-American and Latino community with strong international ties. Foreign national demand here is real and consistent.
San Bernardino County property taxes run lower than LA or Orange County. That helps cash flow on investment purchases using this program.
Yes. Foreign national loans are built for borrowers with no US credit file. Lenders use foreign credit reports, assets, or income docs instead.
E-2, L-1, and H-1B visas work with most lenders. Tourist and B-series visas face more restrictions — ask your broker before applying.
Plan on 30–40% down for most foreign national programs. Higher down payments reduce lender risk when US credit history is absent.
Some programs allow projected rental income. A DSCR loan may be a cleaner path if you're buying an investment property.
Not always. Some lenders allow remote closings with a power of attorney. Confirm this with your broker early in the process.
Yes, typically. Non-QM programs carry higher rates due to added lender risk. Rates vary by borrower profile and market conditions.
Foreign National Loans in Chino