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Solana Beach draws international buyers. The coastal location, San Diego climate, and proximity to top schools make it a target for foreign nationals buying a second home or investment property.
Foreign national loans are non-QM products. That means they fall outside standard Fannie Mae and Freddie Mac guidelines — but they're a real, functional path to ownership for non-US citizens.
30–40%
Min Down Payment
Not always
US Credit Required
12+ months typical
Reserves Required
Non-QM
Loan Category
60 days
Key Doc: Foreign Bank Stmts
Foreign National Loans in Solana Beach
You don't need a US credit score to qualify. Lenders typically accept international credit reports or reference letters from your home country's bank.
Most programs require 30–40% down. The higher equity protects the lender since your income and assets sit outside US reporting systems.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Solana Beach.
Solana Beach draws international buyers. The coastal location, San Diego climate, and proximity to top schools make it a target for foreign nationals buying a second home or investment property.
Foreign national loans are non-QM products. That means they fall outside standard Fannie Mae and Freddie Mac guidelines — but they're a real, functional path to ownership for non-US citizens.
You don't need a US credit score to qualify. Lenders typically accept international credit reports or reference letters from your home country's bank.
Most retail banks won't touch foreign national loans. The programs that exist live almost entirely in the wholesale and portfolio lending space.
SRK CAPITAL works with 200+ wholesale lenders. Several specialize in foreign national programs — so we can actually shop your scenario instead of sending you to one bank that may say no.
Visa type matters more than most buyers expect. B-1, B-2, and tourist visa holders face tighter terms than E-2 or L-1 visa holders. Some lenders won't touch certain visa categories at all.
Wire transfer documentation is a sticking point. Lenders want to see a clear paper trail on your down payment funds — often 60 days of statements from your foreign bank account.
ITIN loans are a close relative — but designed for non-citizens who live and work in the US. If you're buying from abroad with no US income, a foreign national loan is the right fit.
DSCR loans are another option if you're buying a rental property. They qualify based on the property's income — not yours. That can be cleaner for international buyers with complex income structures.
Solana Beach sits in a high-cost coastal corridor. Properties here often push into jumbo territory — and foreign national jumbo loans carry their own overlay requirements on top of the base program.
California also has specific title and transfer rules that affect foreign buyers. You'll want a real estate attorney alongside your mortgage broker before you make an offer.
Some lenders allow it, but terms are tighter and down payment requirements go up. Expect fewer program options and higher rates. Rates vary by borrower profile and market conditions.
Not always. Many lenders accept foreign bank statements directly. A US account helps with closing logistics but isn't required to qualify.
Plan for at least 30%. Coastal California properties often require 35–40% down under foreign national guidelines, especially in the jumbo range.
Yes. A DSCR loan may actually work better — it qualifies on the property's rent income, not your personal income from overseas.
Most foreign national lenders accept international credit reports or bank reference letters. Requirements vary by lender and country of origin.
Some lenders allow it, but the structure adds complexity. You'll need both a broker and a real estate attorney to navigate California's title requirements.