Foreign National Loan Program – California
Our Foreign National Loan Program provides hard money financing solutions for non-U.S. citizens seeking to purchase or refinance California investment real estate. This program is designed for foreign investors who live outside the United States and require flexible financing with minimal documentation.
| Loan Amounts | $100,000 – $2,500,000+ |
| Property Type | Residential – Commercial – Multi-Family – Mixed Use |
| Loan Type | Business Purpose Purchase or Refinance – 1st & 2nd Trust Deeds |
| Loan-to-Value | Up to 65% LTV / 60% CLTV |
| Terms | 1–4 Years with Balloon – Interest Only Payments (Amortization Available) |
| Occupancy | Owner Occupied & Non-Owner Occupied |
| Underwriting | No Proof of Income – No FICO Required – No SSN Required (IRS ITIN Required) |
| Property Valuation | BPO Required; Appraisal in Certain Cases |
| Interest Rates | 1st Trust Deeds from 9.99% – 2nd Trust Deeds from 12.50%* |
| Points & Fees | 2+ Points plus Underwriting & Valuation Fees starting at $3,495+ |
| Citizenship Documentation | Valid Passport or Consulate ID Required |
| Social Security | IRS ITIN Required |
| Timeline to Fund | Typically 7–14 Business Days |
| Broker Protection | Broker Friendly – We Pay Commissions |
Who This Program Serves
- Foreign investors purchasing California real estate
- Non-U.S. citizens refinancing investment properties
- International buyers seeking quick close financing
- Investors without U.S. credit history
- Self-employed or asset-based foreign borrowers
What Makes Our Program Different
- No U.S. Income or Credit Requirements
No traditional income documentation or FICO score required. - Equity-Focused Underwriting
Lending decisions are based primarily on property value and equity position. - Speed & Certainty
Same Day Term Sheets and fast closings, often within 7–14 business days. - Flexible Structure
Available in 1st or 2nd position for purchase or refinance strategies. - Broker Friendly
We protect broker relationships and pay commissions.
Strategic Advantages
- Invest in California real estate without U.S. residency
- Access capital without traditional income verification
- Close quickly in competitive markets
- Preserve liquidity with interest-only options
Why Mortgage Vintage, Inc.?
Mortgage Vintage, Inc. is a direct hard money lender that originates and funds business purpose loans secured by California real estate.
✓ Same Day Term Sheets – Professional Service
✓ Easy Loan Submission – Quick Turnaround – 7 Day Fundings
✓ Fast, Flexible and Transparent Loan Process
✓ Over 30 Years Financial Industry Experience
✓ Funding Based on Committed Terms
✓ Surety of Funding through CrowdTrustDeed’s Simple and Secure Online Marketplace
✓ Se Habla Español
All loans must be secured by California real estate.
Contact:
Sandy MacDougall – (949) 763-3982 – sandy@mortgagevintage.com
