Loading
Hesperia sits in San Bernardino County's High Desert — an affordable entry point into California real estate. Foreign nationals see real value here compared to coastal markets.
This is a non-QM loan. That means no US credit history required. Lenders use alternative qualification methods instead.
25-40% typical
Down Payment
12 months
Reserves Required
Not required
US Credit Required
Non-QM
Loan Type
Most lenders want a valid passport and visa. Some accept foreign credit reports. Down payment requirements typically run 25-40% for foreign nationals.
Lenders also require reserves — often 12 months of payments in a verifiable account. US income is not required, but you must document foreign income or assets.
Most retail banks won't touch foreign national loans. This is a specialty product. Wholesale lenders and private portfolio lenders are where these deals get done.
SRK CAPITAL works with 200+ wholesale lenders. Several specialize in foreign national programs. We know which ones price well and which ones are slow to close.
The biggest mistake foreign national buyers make: waiting too long to open a US bank account. Do it before you apply. It makes reserve verification much cleaner.
Visa type matters more than most borrowers expect. B-1/B-2 visa holders face stricter terms than E-2 or L-1 holders. Bring your full visa history to the first conversation.
ITIN loans are a close alternative. If you have a US Individual Taxpayer Identification Number, you may qualify for better rates and lower down payments.
DSCR loans work well if you're buying Hesperia property as a rental. They qualify on rental income, not personal income — no pay stubs needed from any country.
Hesperia's High Desert location draws international buyers interested in land, horses, and investment rentals. The area has pockets of both residential and rural-zoned properties.
San Bernardino County has specific title and transfer tax rules. Foreign buyers purchasing through an LLC or foreign entity need a California-licensed attorney reviewing the deal.
Yes, B-1/B-2 visa holders can purchase property. Expect higher down payments and tighter reserve requirements than other visa types.
No. Foreign national loans don't require an SSN. Lenders use your passport, visa, and foreign financial documents instead.
Yes. Most foreign national programs accept documented foreign income. You'll need translated statements and possibly a CPA letter.
Plan for at least 25-30% down. Some lenders require 40% depending on visa type and loan size. Rates vary by borrower profile and market conditions.
Yes. A DSCR loan may actually work better for that purpose. It qualifies based on the property's rental income, not your personal income.
Foreign National Loans in Hesperia