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Camarillo sits in Ventura County — one of Southern California's most stable real estate markets. International buyers take notice for good reason.
Foreign nationals can buy here without a US credit history or Social Security number. The loan programs exist specifically for this situation.
Not Required
US Credit Score
25–30%
Min Down Payment
12 Months
Reserves Required
30–45 Days
Est. Closing Time
Non-QM
Loan Type
Foreign National Loans in Camarillo
Most foreign national programs require a valid passport and visa documentation. Your home country's credit history won't transfer — lenders work around that.
Expect a down payment of 25–30% minimum. Reserves matter too — lenders typically want 12 months of payments sitting in a verifiable account.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Camarillo.
Camarillo sits in Ventura County — one of Southern California's most stable real estate markets. International buyers take notice for good reason.
Foreign nationals can buy here without a US credit history or Social Security number. The loan programs exist specifically for this situation.
Most foreign national programs require a valid passport and visa documentation. Your home country's credit history won't transfer — lenders work around that.
Most retail banks won't touch foreign national loans. These are non-QM products — meaning they live in the wholesale and private lending space.
SRK CAPITAL shops across 200+ wholesale lenders, including those with dedicated foreign national programs. That reach matters when your file doesn't fit a standard box.
Wire transfers don't count as documented reserves with most lenders. Move your funds early — at least 60 days before closing — into a US or internationally verifiable account.
Foreign LLCs add complexity. Some lenders allow them; others won't touch entity purchases from non-US buyers. Know this before structuring your deal.
If you have an ITIN number, you may qualify for ITIN loans instead — which often carry better rates and lighter reserve requirements.
DSCR loans are another path if you're buying as an investment. The property's rental income drives approval, not your personal income or nationality.
Camarillo's proximity to LA and the coast makes it a target for international buyers wanting Southern California without LA prices.
Ventura County properties in this range often appraise conservatively. For foreign national buyers putting 25–30% down, that appraisal gap can derail a deal fast.
Yes. Foreign national loans don't require US credit history. Lenders use alternative documentation like bank records and asset verification instead.
Many visa types qualify, including B1/B2, E, L, and O visas. Program rules vary by lender — some are stricter than others.
Most foreign national programs are designed for investment or second homes, not primary residences. A DSCR loan may also fit investment purchases.
Expect 30–45 days minimum. International wire verification and document review add time — plan ahead.
Not always, but it helps. Lenders need to verify reserves. A US account or internationally verified foreign account both work with most programs.
Yes. These are non-QM loans — rates run above conventional. Rates vary by borrower profile and market conditions.