A foreign national loan is a non‑QM mortgage designed for non‑U.S. citizens who live and work abroad and want to buy property in California.
These borrowers typically do not have a Social Security number, U.S. credit history, or U.S. income, which disqualifies them from conventional, FHA, and VA loans.
Foreign national loans fill this gap by using alternative underwriting criteria tailored to international buyers.

Who These Loans Are For
Foreign national loans are designed for buyers who:
• Live and work in another country
• Do not have U.S. residency or citizenship
• May only have an ITIN instead of an SSN
• Want to purchase second homes or investment properties in California
These programs are widely used because California is a top destination for international real estate investment.