We compare 20+ wholesale lenders to find competitive foreign national rates in California. No credit pull. Pre-approval in 24 hours.
A California-licensed loan officer will call you within 24 hours. If you'd rather we call sooner, dial (702) 420-0655.
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.
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.
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.