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Colton sits in San Bernardino County, one of Southern California's more accessible markets for international buyers. Property prices here run well below coastal metros.
Foreign nationals can own U.S. investment property without a green card or Social Security number. These are non-QM loans — they follow different rules than standard mortgages.
30–35%
Typical Down Payment
12 months
Reserves Required
Non-QM
Loan Type
30–45 days
Est. Close Time
No
SSN Required
Most lenders want 30% down from foreign national borrowers. Some programs require 35% or more depending on your country of origin and asset profile.
You'll need a valid passport, visa documentation, and proof of foreign income or assets. Bank statements from your home country bank are standard. Reserves of 12 months or more are common.
Retail banks rarely touch foreign national loans. This is a wholesale and private lender space — which is exactly where we operate.
Bankrate's latest lender survey shows mortgage rates at 6.27% for conventional loans. Foreign national rates run higher — expect a premium above standard non-QM pricing. Rates vary by borrower profile and market conditions.
The biggest deal-killer I see is borrowers coming in without translated, notarized foreign bank statements. Get those ready before you start shopping properties.
Some lenders restrict loans to buyers from certain countries. We work across 200+ wholesale lenders — that range matters when one lender's country list excludes yours.
If you have an ITIN number, an ITIN loan may get you better terms than a foreign national program. That's worth exploring first.
DSCR loans are another angle if you're buying investment property. Qualification is based on rental income, not your personal foreign income. That removes a lot of documentation friction.
Colton's location near major logistics corridors and industrial hubs draws international investors with business ties to the Inland Empire. Rental demand here is real.
San Bernardino County has no foreign buyer restrictions. You can purchase residential or investment property as a non-U.S. citizen without local regulatory barriers.
Yes. Most programs use alternative credit evaluation or waive U.S. credit entirely. Your down payment and reserves carry more weight than credit score.
Not always. Foreign bank statements are accepted on most programs. Some lenders do require a U.S. account for closing and payment purposes.
Most foreign national programs are structured for investment or second-home purchases. Primary residence options exist but are harder to find.
Accepted visa types vary by lender. B-1, B-2, and other non-immigrant visas are commonly accepted. Some lenders also work with buyers outside the U.S.
Plan for 30–45 days. Document translation and international verification add time. Starting paperwork early shortens the process significantly.
Foreign National Loans in Colton