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Fillmore sits in Ventura County's Santa Clara River Valley. It's a small agricultural town with real estate priced well below coastal Ventura.
For foreign nationals, that lower price point matters. Less capital required means fewer asset verification headaches at closing.
Not Required
US Credit Score
30–35%
Typical Down Payment
Non-QM
Loan Category
30–45 Days
Est. Closing Time
Foreign National Loans in Fillmore
Foreign national loans don't require a US credit score or Social Security number. Lenders use alternative verification — passport, visa, and foreign credit history.
Most programs require 30% down. Some go to 35% depending on your visa type and the lender's risk model.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Fillmore.
Fillmore sits in Ventura County's Santa Clara River Valley. It's a small agricultural town with real estate priced well below coastal Ventura.
For foreign nationals, that lower price point matters. Less capital required means fewer asset verification headaches at closing.
Foreign national loans don't require a US credit score or Social Security number. Lenders use alternative verification — passport, visa, and foreign credit history.
Foreign national loans are non-QM — meaning they sit outside standard Fannie Mae and Freddie Mac guidelines. Not every lender touches them.
We work with 200+ wholesale lenders. A handful specialize in foreign national programs. We know exactly which ones price this product competitively.
The biggest deal-killer we see is documentation timing. Foreign bank statements need to be translated and certified. Start that process early.
Visa type matters more than most borrowers expect. B-1/B-2 visitors face stricter terms than E-2 treaty investors or L-1 visa holders.
If you have an ITIN number, an ITIN loan may price better than a full foreign national program. The documentation overlap is significant but the rates differ.
DSCR loans are another option if you're buying investment property. Qualification is based on rental income, not your personal income or nationality.
Fillmore attracts buyers connected to agriculture — farm operators, agribusiness investors, and family buyers from Mexico and Central America.
Properties here are often single-family homes or small agricultural parcels. Most foreign national programs cover standard residential purchases in this range.
Some programs allow buyers on tourist visas. Terms are stricter and down payment requirements increase. Ask us about your specific visa situation.
No. Foreign bank statements work for most programs. Certified translation is required. Funds must be wired through a verified institution.
Yes. Foreign nationals can purchase rental property. A DSCR loan may be a cleaner fit if the property generates rental income.
Expect 30-45 days minimum. Document translation and international wire transfers add time. Start your paperwork before you make an offer.
Standard single-family homes qualify on most programs. Agricultural land with a residential structure may require a portfolio lender.