Designed for non-U.S. citizens looking to invest in or purchase property in the United States. No Social Security Number required — we help international buyers navigate U.S. real estate financing with confidence.
No obligation. No credit check to get started.
California is the largest mortgage market in the country by dollar volume. Most coastal and Bay Area counties are designated high-balance, with conforming limits of $1,209,750 — meaningfully above the national floor. Median home prices in San Francisco, San Mateo, Santa Clara, and Marin counties remain above $1.5M.
California is a top-3 state for foreign buyer demand, particularly in Los Angeles, Orange County, and the Bay Area. We close foreign-national loans without an SSN and accept international credit references.
A mortgage program built for non-U.S. citizens purchasing property in the United States — without requiring an SSN, ITIN, or U.S. credit history.
Foreign National loans use international documentation — a valid passport, visa, foreign credit reference, and proof of foreign income or assets — instead of the standard U.S. tax returns and credit reports.
These loans are typically used for vacation homes, second homes, and investment properties. Primary-residence financing is generally not available to non-residents under foreign national programs (though residents on certain visas may qualify for traditional financing).
Lending Arena specializes in foreign national transactions across our licensed and partner footprint. We coordinate remote signing where allowed, accept international wire transfers for down payments, and handle the IRS / FIRPTA paperwork at closing.
Built for international buyers — no U.S. ties required.
Qualify with a passport and visa. No Social Security Number, no ITIN, and no U.S. credit history needed.
Finance second homes, vacation properties, and investment real estate up to $5M+ in loan amount.
Where the property location and lender allow, we coordinate remote notarization and signing so you don't need to fly in.
What you'll typically need to qualify.
Valid passport and visa (or visa waiver-eligible country). Foreign credit reference letters from your home-country bank are accepted in lieu of a U.S. credit report.
Most foreign national programs require 25-30% down. Stronger profiles can sometimes go to 20%.
6-12 months of mortgage payments held in a U.S. bank account at closing is typical.
1-4 unit residential or investment property. Primary-residence financing for non-residents is generally not eligible.
From international application to U.S. closing.
We discuss your buyer profile, target property, and home-country documentation.
Submit passport, visa, foreign credit references, and proof of income or assets.
We work with foreign-national-specialty lenders to underwrite and approve the loan.
Coordinate remote notarization where allowed, or in-person closing at the property location.
Answers to the most common questions about foreign national loans in California.
Lending Arena offers the full mortgage product set across California. See what else might fit your situation.
Lending Arena, NMLS #1603937. Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act and/or the California Finance Lenders Law. Equal Housing Lender. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. All loans are subject to credit and property approval. Do Not Sell or Share My Personal Information requests can be submitted to privacy@lendingarena.com.