Mortgage guide

Foreign National Mortgage Guide

Mortgage education for non-U.S. borrowers purchasing California property, including DSCR and investor loan options.

Borrower education

What borrowers should know about foreign national financing

Foreign national mortgage programs can help non-U.S. borrowers purchase California property with alternative documentation and property-focused underwriting.

Program availability depends on visa/residency profile, country of citizenship, down payment, reserves, property use, and lender requirements.

借款人教育

海外買家申請房貸需要知道什麼

海外或非美國身份買家仍有機會透過合適貸款方案購買加州物業。

審批通常會看身份文件、首付比例、資產儲備、物業用途及貸款機構要求。

Borrower insight

We explain mortgage programs in practical borrower language, so clients understand documentation, pricing factors, and approval considerations before choosing a loan path.

華語借款人重點

我們不只是直接翻譯房貸術語,而是希望用華人借款人真正容易理解的方法,解釋不同貸款方案、文件需求,以及哪些因素會影響利率與審批。

Frequently asked questions

Can foreign nationals use DSCR loans?

Yes, many foreign national investors use DSCR loans for rental-property purchases.

Is a U.S. credit score required?

Requirements vary. Some programs can review alternative credit or international borrower documentation.

How much down payment is needed?

Down payment depends on lender, property type, occupancy, DSCR, and borrower profile.

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