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Highland sits in San Bernardino County, where the median household income of $82,184 supports home purchases across a wide price range.
The market welcomes non-citizen investors and owner-occupants alike. Foreign national loans fill a gap that conventional and FHA programs can't — they're designed specifically for buyers without established American credit profiles.
20% to 50%
Down Payment Range
International history, no FICO
Credit Requirement
45–60 days
Typical Closing Time
$82,184
County Median Income
Foreign National Loans in Highland
Foreign national loans require a valid passport, visa, or proof of legal residency. Most lenders ask for 30% to 50% down, though some programs accept 20% down with strong international credit references.
Income verification comes from bank statements, tax returns from your country of origin, or employment letters. The county's median household income of $82,184 gives you a baseline for what lenders expect to see.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Highland.
Highland sits in San Bernardino County, where the median household income of $82,184 supports home purchases across a wide price range.
The market welcomes non-citizen investors and owner-occupants alike. Foreign national loans fill a gap that conventional and FHA programs can't — they're designed specifically for buyers without established American credit profiles.
Foreign national loans require a valid passport, visa, or proof of legal residency. Most lenders ask for 30% to 50% down, though some programs accept 20% down with strong international credit references.
Foreign national lending is a specialized niche. Only a handful of California lenders actively underwrite these loans, and they tend to be portfolio lenders or private banks rather than retail mortgage chains.
Rates run higher than conventional mortgages because the lender carries more risk without U.S. credit history. Lock periods are typically 30 to 45 days.
Foreign national loans make sense in Highland when you're a non-citizen buyer with strong down payment savings and international income verification.
They don't make sense if you're trying to minimize down payment or if you have U.S. credit history — conventional or FHA will be faster and cheaper. The higher rate and longer timeline only pay off when you have no other path to financing.
Conventional loans require a U.S. credit history and Social Security number — foreign nationals without either can't qualify. FHA loans have the same citizenship requirement.
The tradeoff is clear: you get access to financing, but you pay a higher rate and wait longer for closing. If you have U.S. credit history, conventional is faster and cheaper. If you don't, foreign national loans are your only option.
Highland's location in San Bernardino County puts you near major employment centers in Ontario, Riverside, and Los Angeles. International business owners and visa holders working in logistics, manufacturing, or tech find the commute manageable and the...
The county's median household income of $82,184 reflects a working-class market where foreign nationals often find good value. Schools, shopping, and freeway access are solid — not luxury, but practical for buyers focused on building equity rather than...
No. Foreign national loans skip the FICO requirement entirely. Lenders review payment history from your home country instead — bank statements and references from creditors abroad.
Most lenders ask for 20% to 50% down. Stronger international credit and larger down payments improve your rate and approval odds. Some programs accept 20% down with solid documentation.
Yes. Valid visa status, passport, and proof of legal residency are the main requirements. Employment visa, investor visa, or permanent residency all work. Lenders verify your immigration status with USCIS.
Plan for 45 to 60 days. Foreign document translation and verification take extra time. Conventional loans close in 30 days; foreign national loans need the longer window.
Yes. Many lenders offer both owner-occupied and investment property financing. Investment properties often require higher down payments — 30% to 50% — and carry slightly higher rates.