Loading
Loading
Escondido draws international buyers. The city sits inland from San Diego, offering real estate at a lower price point than coastal areas.
Foreign nationals can buy here without US credit history. That is exactly what these loan programs are built for.
None required (foreign)
Min Credit Score
25–40%
Typical Down Payment
12+ months
Reserves Required
Non-QM
Loan Category
Foreign National Loans in Escondido
Most lenders require a valid passport and visa. Some programs accept buyers from certain countries without a US visa on file.
Expect a down payment of 25–40%. Higher down payments lower lender risk on borrowers with no US financial footprint.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Escondido.
Escondido draws international buyers. The city sits inland from San Diego, offering real estate at a lower price point than coastal areas.
Foreign nationals can buy here without US credit history. That is exactly what these loan programs are built for.
Most lenders require a valid passport and visa. Some programs accept buyers from certain countries without a US visa on file.
Most retail banks won't touch these loans. Foreign national lending lives in the non-QM wholesale space.
SRK CAPITAL works with 200+ wholesale lenders. Several specialize in foreign national programs with competitive terms.
The biggest deal-killer is documentation. Lenders need translated financial statements and a clear asset trail.
Country of origin matters. Some lenders restrict buyers from certain nations. Know your eligibility before you shop properties.
ITIN loans are a close alternative if you live in the US. Foreign national programs are built for buyers who reside abroad.
DSCR loans work if you're buying a rental. The property's income — not yours — qualifies the deal. Rates vary by borrower profile and market conditions.
Escondido has a mix of single-family homes and multi-unit properties. Foreign nationals often target rentals for passive income.
San Diego County's proximity to Mexico makes Escondido a practical choice for Mexican nationals buying US property.
Yes. Many lenders accept foreign bank statements. You will need certified translations and a clear funds trail.
Some lenders allow remote closings through a US notary or consulate. Confirm this with your lender upfront.
Single-family homes and condos are most accepted. Multi-unit properties may qualify depending on lender guidelines.
Expect 30–45 days minimum. Document translation and international wire verification add time.
Yes. Many non-QM lenders serve Mexican nationals buying in San Diego County. Country restrictions vary by lender.
Yes. Foreign nationals often buy as investment properties. A DSCR loan may also be worth comparing for rentals.