Non-QM & Alternative Doc
Alt-Doc — Non-Resident
Foreign National
Non-US-resident buyers — no US credit required, documentation from home country accepted.
Available throughout Southern California through Francisco Williams, CCIM, NMLS #1858674.
Ideal borrower
International investors and second-home buyers without US credit history.
Program highlights
- No US credit required
- Reference letters from foreign bank accepted
- Up to 70% LTV
- Primary, second home, or investment property
Typical uses
- Foreign buyer second home or investment
Frequently asked questions
- Do foreign national loans require a US credit score?
- No. Foreign national programs were built specifically for borrowers without US credit. Alternative documentation accepted: international credit reports from your home country (CreditSafe, International Report Exchange), bank references (24 months statements from foreign banks), and business references.
- How much down payment is required for foreign national loans in California?
- Typically 25–35% down. Best pricing at 35%+. Above 50% down unlocks further rate improvements and expanded property types (non-warrantable condos, multi-unit).
- Can I use a foreign national loan for investment property?
- Yes — and this is the most common use case. Many foreign national buyers purchase California rental property. The same program structure works for primary residence (second home in the US) or pure investment.
Program details shown are representative guidelines and subject to individual lender overlays and CFPB / agency requirements. Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.