California Foreign National Home Mortgages
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California Foreign National Home Loans
Welcome to Capital Home Mortgage California, a California Foreign National Mortgage Lender, dedicated to helping non-U.S. citizens who live outside the country or are temporarily residing in the U.S. purchase or refinance properties in California. These loans cater to foreign nationals with no U.S. credit history, SSN, or green card, making them a popular option for international investors and individuals seeking to own property in California. Capital Home Mortgage California can guide Foreign Nationals through this non-traditional mortgage path, offering individualized solutions. Our extensive experience and dedication to customer service make us a dependable option for California Non-QM loans.
Call today (888) 620-7744 to speak to a California Foreign National Mortgage Specialist.
Foreign National Mortgage Loans
Foreign National Home Loans are for individuals wanting to purchase or refinance property in the US, but reside outside of the country.
Foreign National Key Points
- Purchase, Rate & Term, Cash-Out
- Minimum Credit N/A
- Maximum LTV 80%
- Interest Only Allowed
- 12 Months Reserves
- No Gifts Allowed
- No Limit on Total Properties
- Must Reside Outside US
- Must Have Valid Visa
- Min Loan 100K / Max Loan 3.5M
Overview of California Foreign National Home Loans
Benefits of California Foreign National Home Mortgages
- Accessible to Non-Residents: Enables non-U.S. citizens to invest in California real estate.
- No U.S. Credit History Needed: Uses alternative credit and income documentation.
- Flexible Loan Terms: Accommodates diverse financial profiles and international documentation.
- High Loan Limits: Ideal for California’s luxury real estate in markets like Los Angeles, San Francisco, and Silicon Valley.
Eligibility Requirements of California Foreign National Mortgages
- Proof of Residency: Valid passport from the borrower’s home country. Visa (if applicable)
- Income Proof: Documents from employers, such as: Pay stubs and VOE, CPA-certified (P&L) statements for self-employed borrowers.
- Property Intent: Statement of purpose (e.g., investment, second home, or primary residence).
- Credit History: Alternative credit may be established using international credit reports or references.
- A U.S. based bank account is required to facilitate payments, transactions and proof of funds when applicable.
- Down Payment or Equity: Typically required (20-30% minimum). Reserves: Typically equivalent to 6-12 months of payments.
Qualifying for California Foreign National Mortgages
- Pre-qualification: The borrower provides proof of income, assets, and identity to estimate loan eligibility.
- Application: Submitting property information, financial documents, and additional international documentation.
- Approval: Underwriting evaluates income, reserves, property value, and creditworthiness.
- Closing: Final documents are signed, and funds for the down payment and closing costs are provided.
Challenges of California Foreign National Mortgages
- Higher Down Payments: Due to higher perceived risk, lenders often require significant equity.
- Limited Lender Options: Fewer U.S. lenders offer foreign national mortgage products.
- Higher Interest Rates: Reflecting the complexity and risk associated with international borrowers.
- Complex Documentation: Borrowers must navigate foreign income and asset verification requirements.
Who Should Consider California Foreign National Home Mortgages
- International Investors: Non-residents investing in California real estate for rental income or appreciation.
- High-Net-Worth Individuals: Those looking to purchase luxury properties in California.
- Expats and Visa Holders: Individuals temporarily living in the U.S. seeking homeownership options.
- Second Home Buyers: International buyers acquiring vacation or seasonal homes in California.
California Foreign National Mortgage Rates
Interest Rates are calculated using several factors. Depending on the type of mortgage you are looking at and the impact of the items below can determine the interest rates.
- Demand for Mortgage Securities
- Property Securing the Mortgage
- Occupancy of the Property
- Loan to Value of the Property
- Borrower’s Credit Worthiness
Why California is Choosing Capital Home Mortgage
Close On Time
Complete Control from Application to Funding
Low Rates & Low Fees
Direct Lender with Competitive Rates & Fees
Exceptional Service
7 Day a Week Support Application to Funding
California Mortgage Team
California Mortgage Company Reviews
California Mortgage Programs
California Purchase Home Loans
Looking to Purchase in California?
- Primary, 2nd Home, Investment
- Low Rates & Fees, No fee Options
- FHA, VA, USDA, Native American
- Conventional, Jumbo & Renovation
- Manufactured, Construction, Reverse
California Renovation Home Loans
Looking to Renovate a California Home?
- Remodel, Renovate or Repairs
- FHA 203K Streamline
- FHA Full Documentation Rehab
- Fannie Mae Homestyle Reno
- Freddie Mac Home Choice Reno
California FHA Home Loans
Great First Time California Homebuyers
- Smaller Down Payments
- Flexible Underwriting Guidelines
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Down Payment Gifts Allowed
California VA Home Loans
100% Financing for California Veterans
- No Mortgage Loan Limits
- Simple Qualifying
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Manual Underwriting Allowed
California Conventional Home Loans
Flexibility for California Homebuyers
- Primary, 2nd Home, Investment
- Single and Multi-Family Properties
- Variable Mortgage Insurance Options
- Low Rates & a Variety of Terms
- Renovation Programs Available
California Jumbo Home Loans
California Non-Conforming Mortgages
- Primary & 2nd Homes
- Variety of Mortgage Programs
- Simple Qualifying for Veterans
- Investor Specific Guidelines
- Credit Score Minimums
California USDA Home Loans
California Rural Home Mortgages
- Primary Residences
- No Down Payment Required
- New Manufactured Homes Allowed
- Closing Costs / Repairs Rolled In
- Geographic and Income Limits Apply
California Native American Loans
California Hud 184 Home Mortgage
- Primary Residence Only
- Manual Underwriting for All Loans
- No Credit Score Requirements
- Tribal Grants Allowed
- Purchase, Refinance, and Renovation
California Manufactured Home Loans
Great California Affordable Housing
- Existing Purchase or Refinance
- New Construction
- One Time Close Land/Home Combo
- Lock at Contract
- FHA, VA, USDA, Native American
California Reverse Home Loans
Your California Home at Work for You
- Primary Residence Only
- Simple Qualifying – Equity Based
- No Credit Score Requirements
- Minimum Age 62
- Purchase, Refinance, and Cash-Out
California Non QM Home Loans
Making California Mortgages Possible
- Purchase, Refinance & Cash-out
- Primary, Secondary, Investment
- Full Doc Programs
- Alt Doc Programs
- Corporations OK
California Construction Home Loans
Build Your California Dream Home
- Primary Residences Only
- One Time Close
- Lock Rate at Closing
- Traditional Final Mortgages
- No Payments During Construction
California Refinance Home Loans
California Rate & Term Refinance
- Lower Monthly Payment
- Shorten Mortgage Term
- Streamline Options Available
- Appraisal Waivers Allowed
- VA IRRRL’s
California Cashout Home Loans
California Equity Cash Out Mortgage
- Debt Consolidation
- Investment Opportunities
- Home Improvement
- Dream Vacation
- Higher Education
