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Fontana sits in the Inland Empire, one of California's most active real estate corridors. Non-US citizens are buying here — prices are lower than coastal markets, and inventory moves.
Foreign national loans are non-QM products. That means no Fannie Mae, no Freddie Mac — just private lenders with their own rules.
25-30% typical
Min Down Payment
Not required
US Credit Score
12+ months
Reserves Required
Non-QM
Loan Classification
You don't need a US credit score. Most lenders accept foreign credit reports or alternative documentation instead.
Down payments typically start at 25-30%. Reserves matter — expect lenders to want 12+ months of mortgage payments in a verifiable account.
Most banks won't touch foreign national loans. This is a specialty product — you need lenders who underwrite it daily.
SRK CAPITAL works with 200+ wholesale lenders. Several specialize in foreign national programs across California.
The biggest deal-killer we see: asset documentation. Your funds need a clear paper trail. Cash from informal sources won't clear underwriting.
Title and entity structuring matter too. Some foreign buyers purchase through LLCs or foreign corporations. Get a real estate attorney involved early.
Have a US ITIN but no Social Security number? An ITIN loan may get you better terms than a foreign national program.
Buying as a rental? A DSCR loan — which qualifies on property income, not your personal income — might outperform both options.
San Bernardino County property taxes run roughly 1.1-1.25% annually. Factor that into your carrying cost calculations before committing.
Fontana's rental market is active — logistics and warehouse workers drive steady demand. That makes it viable for foreign buyers eyeing investment properties.
Most lenders require a US bank account for closing. Open one early — it also helps document your reserves.
Not always. Some lenders allow remote or power-of-attorney closings. Confirm this upfront with your lender.
Most visa types qualify — including tourist visas. This is a key advantage over conventional programs.
Rates are higher than conventional. Exact pricing depends on your profile and the lender. Rates vary by borrower profile and market conditions.
Yes. Many foreign national programs explicitly allow investment property purchases. DSCR loans are another strong option for rentals.
No. Foreign national loans are designed for borrowers without a Social Security number or US credit history.
Foreign National Loans in Fontana