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Chula Vista sits minutes from the US-Mexico border. That location makes it a top target for Mexican nationals and other foreign buyers.
Foreign national loans let non-US citizens buy property here without a Social Security number or US credit history.
30–40%
Typical Down Payment
No
US Credit Required
45–60 Days
Est. Close Time
Non-QM
Loan Type
Foreign National Loans in Chula Vista
Most lenders want 30-40% down from foreign national borrowers. That down payment is the single biggest hurdle in this program.
You'll need a valid passport, proof of income from your home country, and 12 months of reserves in a US or international bank.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Chula Vista.
Chula Vista sits minutes from the US-Mexico border. That location makes it a top target for Mexican nationals and other foreign buyers.
Foreign national loans let non-US citizens buy property here without a Social Security number or US credit history.
Most lenders want 30-40% down from foreign national borrowers. That down payment is the single biggest hurdle in this program.
Retail banks rarely touch foreign national loans. Most big banks will turn you away at the front desk.
Wholesale lenders that specialize in non-QM programs are where this product actually lives. That's exactly where we shop.
The biggest mistake foreign buyers make is assuming their home-country credit score transfers. It doesn't — lenders build a new profile from scratch.
Get your funds wired to a US account early. Source-of-funds documentation delays kill more foreign national deals than anything else.
If you have a US ITIN number, an ITIN loan may get you better terms with a lower down payment.
Foreign nationals buying rentals should also look at DSCR loans — some lenders qualify the property's income, not yours.
Chula Vista has a large Spanish-speaking population and strong cultural ties to Baja California. That drives real, recurring demand from cross-border buyers.
The Otay Ranch and Eastlake areas attract buyers who want newer construction with investment potential. Foreign nationals often target these neighborhoods.
Some lenders allow purchases on a tourist visa. You'll need a valid passport and a larger down payment — typically 35-40%.
Not always, but most lenders want reserves in an accessible account. A US account makes the wire documentation much cleaner.
Yes — and it's often easier than buying a primary home. DSCR programs may also apply if the property generates rental income.
Plan for 45-60 days. International income verification and source-of-funds review add time compared to standard loans.
Lenders can't pull foreign credit reports directly. They'll qualify you on assets, income documentation, and down payment instead.