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San Buenaventura sits on the Ventura County coast — exactly the kind of California market that attracts international buyers.
Foreign nationals buying here face one real obstacle: most US lenders won't touch their files. That's where non-QM programs come in.
30%+
Min Down Payment
12 months
Reserves Required
Not always
US Credit Required
45-60 days
Typical Close Time
Non-QM
Loan Type
Foreign National Loans in San Buenaventura
No US credit history? That's expected. Foreign national loans use alternative docs — think foreign credit reports or bank statements.
Most programs require 30% down or more. Reserves matter too. Lenders want to see 12 months of liquid assets after closing.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in San Buenaventura.
San Buenaventura sits on the Ventura County coast — exactly the kind of California market that attracts international buyers.
Foreign nationals buying here face one real obstacle: most US lenders won't touch their files. That's where non-QM programs come in.
No US credit history? That's expected. Foreign national loans use alternative docs — think foreign credit reports or bank statements.
Your local bank almost certainly doesn't offer this. Foreign national lending lives in the non-QM wholesale market.
We work with 200+ wholesale lenders. A handful of them specialize in foreign national programs. We know which ones close cleanly.
The biggest delay we see: currency conversion documentation. Get your foreign assets translated and verified early.
Visa type matters. Some programs exclude certain visa categories. We screen for that before you spend time on an application.
If you have an ITIN, you may qualify for a broader range of programs at better terms. Foreign national loans are built for no US tax ID at all.
DSCR loans are another path if the property will generate rental income. Qualification is based on rent, not your personal income docs.
Ventura County has no foreign national-specific lending restrictions. State law applies — same as anywhere in California.
San Buenaventura's mix of beach properties and downtown condos fits the profile of what international buyers typically pursue here.
No. Foreign national loan programs are built for buyers without an SSN or ITIN. Your passport and visa docs are the starting point.
Most programs start at 30% down. Some lenders require more depending on visa type and reserve levels.
Yes. DSCR loans are often a better fit for income properties. We can compare foreign national and DSCR options side by side.
Plan for 45-60 days. Document translation and international asset verification are the usual slowdowns.
Most non-QM lenders accept foreign credit reports. Some also allow no-credit-history files with stronger reserves and larger down payments.
Some lenders allow entity purchases, but it adds underwriting complexity. Disclose the ownership structure before you make an offer.