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Lemon Grove sits in San Diego County — one of the most sought-after property markets for international buyers on the West Coast.
Foreign nationals buying here face one challenge: standard lenders won't touch these deals. You need a non-QM loan built for this borrower profile.
30%+
Min Down Payment
12 Months
Cash Reserves
No
US Credit Required
2 Years Foreign
Income Docs
Foreign National Loans in Lemon Grove
No US credit history? That's expected. Foreign national loans qualify you using foreign credit reports, bank statements, or asset verification instead.
Most lenders require 30% down or more. Reserves of 12 months are standard. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Lemon Grove.
Lemon Grove sits in San Diego County — one of the most sought-after property markets for international buyers on the West Coast.
Foreign nationals buying here face one challenge: standard lenders won't touch these deals. You need a non-QM loan built for this borrower profile.
No US credit history? That's expected. Foreign national loans qualify you using foreign credit reports, bank statements, or asset verification instead.
Retail banks almost never approve foreign national loans. Wholesale non-QM lenders do — and that's exactly where we work.
We shop across 200+ wholesale lenders to find programs that accept your visa type, country of origin, and asset structure.
The biggest mistake foreign national buyers make is approaching a big bank first. You'll waste weeks and get a denial.
Bring your passport, two years of foreign bank statements, and proof of income from your home country. That's what moves a file forward.
If you have a US-issued ITIN, an ITIN loan may get you better terms than a foreign national program. Worth checking first.
Investors buying in Lemon Grove for rental income should also look at DSCR loans — those qualify on property cash flow, not personal income.
Lemon Grove is a small, affordable San Diego suburb. That makes it attractive for foreign nationals who want California exposure without a jumbo price tag.
San Diego County's proximity to the Mexican border means we see a high volume of cross-border buyers. This is not an unusual deal type for us here.
Yes. Foreign national loans use foreign credit reports or bank statements instead. No US credit history required.
Eligibility varies by lender. B1, B2, and non-immigrant visa holders often qualify. We match your visa to the right program.
Expect 30% minimum in most cases. Some lenders require more depending on your country of residence and income source.
A DSCR loan may be better for that. It qualifies on property income, not personal income — no visa status issues.
Not always. Some lenders allow remote closings with power of attorney. Ask us which lenders support that option.