Foreign National · Marina del Rey, CA
Foreign National Loans in Marina del Rey — Buy U.S. Property Without U.S. Credit
A foreign national loan in Marina del Rey lets a non-U.S. citizen buy a second home, vacation home, or investment property with no U.S. credit, no Social Security number, and no U.S. tax returns — qualifying on foreign credit, income, or assets. Save Financial (NMLS #377740), a local broker at 13763 Fiji Way, Suite EU2, shops foreign-national lenders. Call (310) 759-4757.
The Westside draws international buyers — a Santa Monica pied-à-terre, a marina investment condo, a Venice rental held from abroad. A foreign national loan makes those purchases possible without US credit, a Social Security number, or US tax returns: you qualify instead on foreign credit reference letters, foreign income, or foreign assets. The honest first step, though, is confirming your status — because a green card or work visa often means you can get a regular conventional loan at just 3–5% down, the same as any citizen, and skip the larger foreign-national down payment entirely.
Looking for a Foreign National Loan Near You in Marina del Rey?
Our Westside home office lets an international buyer (or their U.S. representative) work with a licensed loan officer in person, confirm the right program, and document a file that closes — not a distant call center.
Save Financial — Marina del Rey office
13763 Fiji Way, Suite EU2, Marina del Rey, CA 90292
Phone: (310) 759-4757
Hours: Monday–Friday 8:00 AM–5:00 PM, Saturday 10:00 AM–2:00 PM (Sunday closed) PT
The office is just off Fiji Way near the main channel of the marina, with convenient parking and quick access from Lincoln Boulevard and the 90 Marina Freeway. We serve Westside international buyers from our Marina del Rey office across the neighborhoods below.
Areas We Serve Near Our Marina del Rey Office
Here is how a foreign national loan tends to fit for buyers across the areas we cover from Marina del Rey:
- Marina del Rey: international investors financing marina condos and rentals from abroad.
- Venice: foreign buyers holding income properties without US credit.
- Playa del Rey: overseas buyers purchasing coastal second homes.
- Playa Vista: international buyers of condos as investments.
- Santa Monica: foreign nationals buying high-value second homes.
- Culver City: overseas investors qualifying on foreign assets.
- West Los Angeles: international buyers of investment properties.
- Mar Vista: foreign buyers of single-family rentals.
- Westchester: overseas investors financing near LAX.
These are service areas of our Marina del Rey office, not separate offices.
How a Foreign National Loan Works
A foreign national loan lets a non-U.S. citizen buy Westside real estate without the usual American paper trail — no U.S. credit score, no Social Security number, no U.S. tax return. In their place, lenders accept foreign credit reports or one to two bank reference letters from your home country, alongside your foreign income or foreign assets, with a valid passport as primary ID. They're non-QM or portfolio loans, and they're written for second homes, vacation homes, and investment properties — up to four units on many programs, not a primary residence.
Down payments typically run 20–40% (most often 25–30%), with loan amounts to $3M+. Stronger reserves and a lower loan-to-value unlock better terms. Depending on your situation, we'll use a DSCR loan (for investors — qualifies on the property's rent, no income docs), a full-doc route (a second-home buyer with strong foreign income), or asset utilization (qualifies on your liquid investment portfolio).
The point most Westside buyers miss: holding a green card or a valid work visa usually means you're treated like a U.S. citizen — eligible for a conventional loan at just 3–5% down, not a big-down foreign-national loan. Before you budget for 30% down on a Santa Monica or marina purchase, let us confirm your category; the difference is often six figures. Foreign national programs are generally for second homes, vacation homes, and investment properties (not primary residences). Green card and valid work-visa holders are usually eligible for standard conventional financing instead — confirm your category first. All loans subject to credit/asset documentation and property review. Save Financial, NMLS #377740, DRE #01875766, Equal Housing Opportunity.
Common Foreign National Scenarios in Westside
- An overseas investor financing a Marina del Rey condo rental on a DSCR loan.
- A second-home buyer with strong foreign income using the full-doc route in Santa Monica.
- An international buyer qualifying via asset utilization on a liquid portfolio.
- A green-card holder who assumed they needed 30% down — and qualified for conventional at 3–5%.
- A visitor on a work visa buying a Westside investment property.
Is a Foreign National Loan Right for You?
- You're a non-U.S. citizen without U.S. credit, an SSN, or U.S. tax returns.
- You're buying a Westside second home, vacation home, or investment property.
- You can document foreign credit (reference letters), income, or liquid assets.
- You can put down roughly 20–40% — unless a green card/visa qualifies you for conventional.
Which Loan Fits Your Status?
Not every international buyer needs a foreign-national loan — your immigration status decides the program and the down payment:
| Your immigration status | The loan that usually fits | Down payment you'd plan for | Learn more |
|---|---|---|---|
| You hold a green card or valid work visa | Standard conventional — treated like any U.S. citizen | As little as 3–5% on a Westside home | Conventional |
| You have an ITIN (U.S. tax ID, no SSN) | An ITIN loan | Roughly 15–25% | ITIN loan |
| You're a true foreign national (abroad, no SSN, no residency) | A foreign national loan | About 20–40%, most often 25–30% | You're on the right page |
This is the first thing we confirm, because it can change your down payment dramatically. We'll place you in the right program, not the most expensive one.
Why Work With a Local Marina del Rey Mortgage Broker?
Foreign national lending is a specialty — documentation (foreign credit letters, translated statements, source-of-funds) and lender guidelines vary widely. As a broker we shop foreign-national lenders and, just as important, tell you honestly when a simpler, cheaper conventional loan applies. Our office is in Westside, a market international buyers know, so you get a real person to coordinate with.
Bring your status and your documents, and we'll map the right program. Call the Marina del Rey office directly at (310) 759-4757. Foreign national programs are generally for second homes, vacation homes, and investment properties (not primary residences). Green card and valid work-visa holders are usually eligible for standard conventional financing instead — confirm your category first. All loans subject to credit/asset documentation and property review. Save Financial, NMLS #377740, DRE #01875766, Equal Housing Opportunity.
How to Get a Foreign National Loan with Save Financial
- Tell us your citizenship/residency status and the Westside property. Start online or call (310) 759-4757.
- We first confirm your category — a green card or visa may qualify you for conventional at 3–5% down.
- If a foreign-national loan fits, we shop lenders and set your down payment (typically 25–35%) and terms.
- We document foreign credit, income, or assets, and take the file to close.
Serving Marina del Rey: Save Financial arranges these loans in Marina del Rey and across Westside Los Angeles from our Marina del Rey office. We are a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766), Equal Housing Opportunity, and shop multiple lenders for your best terms. This page is informational and not a commitment to lend; all loans are subject to credit approval, income and property review, and program availability. Call 310-759-4757 or apply online.