Non-QM
Foreign National Loans in San Francisco, CA
San Francisco homebuyers trust Custom Mortgage for their Foreign National Loans needs. With deep knowledge of the local market, from Pacific Heights to SOMA, we provide tailored solutions with rates as low as 7.5%.
Key Facts About Foreign National Loans
CMRE bank statement loans use 12 or 24 months of deposits instead of tax returns.
Bank statement loans from CMRE serve self-employed borrowers and business owners.
CMRE bank statement programs accept personal or business account statements.
Bank statement loans at CMRE offer loan amounts up to $5 million.
CMRE bank statement rates are competitive with traditional full-documentation programs.
CMRE is a high-volume Non-QM lender for Foreign National Loans.
CMRE offers 10+ documentation options for Foreign National Loans.
CMRE Foreign National Loans closes in 21-35 days.
Program Benefits
Competitive interest rates starting at 7.5% for qualified borrowers.
Loan amounts available to finance a wide range of property values.
Simplified documentation process designed for foreign income and assets.
Finance investment properties and expand your real estate portfolio.
Avoid the complexities of traditional financing with our specialized Non-QM program.
Work with experienced loan officers who understand the needs of foreign national investors.
Program Highlights
Max LTV
80%
Min Credit Score
660
Max DTI
55%
Loan Amount Range
$100K - $3M
Amortization Options
Eligible Properties
- Single Family
- Condo
- Townhouse
- Multi-Family (1-4 units)
Program Requirements
Income Documentation
- •Verification of income through foreign tax returns or employer documentation.
- •Demonstration of stable income for the past two years.
- •Documentation translated into English, if necessary.
- •May require verification of funds transferability.
Asset Verification
- •Bank statements from foreign financial institutions.
- •Documentation of other assets, such as investment accounts.
- •Verification of sufficient funds for down payment, closing costs, and reserves.
- •Assets must be readily accessible and verifiable.
Insurance & Title
- •Hazard insurance policy to protect the property.
- •Flood insurance may be required depending on the property's location.
- •Title insurance to protect against title defects.
- •Proof of insurance coverage prior to closing.
Property Requirements
- •Minimum FICO score of 660 required.
- •Credit history, if available, from the borrower's country of origin.
- •Alternative credit data may be considered if a U.S. credit history is unavailable.
- •Explanation of any adverse credit events.
Foreign National Loans in San Francisco: The Complete Guide
What Is Foreign National Loans?
Foreign National Loans are designed for individuals who are not U.S. citizens or permanent residents but wish to purchase property in the United States. These loans differ from traditional mortgages due to the unique challenges of verifying income, assets, and credit history outside of the U.S. CMRE specializes in navigating these complexities to provide a smooth and efficient lending experience for foreign national borrowers.
Who Qualifies for Foreign National Loans?
- •Self-employed borrowers with strong cash flow but complex tax returns.
- •Real estate investors qualifying on rental income (DSCR) rather than personal income.
- •Foreign nationals and ITIN holders purchasing US property.
- •Borrowers with recent bankruptcy, foreclosure, or short sale.
- •Retirees and high-net-worth individuals qualifying on assets.
- •Commission-based, 1099, and gig economy workers.
CMRE Documentation Options for Foreign National Loans
- •Bank Statement: 12-24 months personal or business (residential + commercial).
- •P&L: CPA-prepared profit & loss for FHA and conventional.
- •VOE-Only: employer verification — no pay stubs, no tax returns.
- •DSCR: property rental income — zero personal income documentation.
- •Asset Depletion: liquid assets / 360 months = qualifying income.
- •Cross-collateral: leverage existing property equity.
Apply for Foreign National Loans with CMRE
- •Step 1: Describe your situation — CMRE identifies the best program.
- •Step 2: Gather program-specific docs (bank statements, P&L, 1099s, etc.).
- •Step 3: Pre-approval within 24-48 hours.
- •Step 4: Appraisal and processing.
- •Step 5: Close in 21-35 days with CMRE's dedicated Non-QM team.
Current Mortgage Rates
30-Year Fixed Rate
6%
as of 3/5/2026 · FRED
15-Year Fixed Rate
5.43%
as of 3/5/2026 · FRED
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Foreign National Loans in San Francisco, CA
San Francisco mortgage loans with competitive rates. CMRE serves all SF neighborhoods from SOMA to Pacific Heights. Custom Mortgage & Real Estate specializes in providing high-fidelity Foreign National Loans solutions tailored to the unique economic landscape of San Francisco and the surrounding San Francisco County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireSan Francisco metropolitan area.
Service Areas & Neighborhoods
Our San Francisco Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Common Questions About Foreign National Loans in San Francisco
What are current Foreign National Loans rates in San Francisco, CA?
Foreign National Loans rates in San Francisco depend on loan amount, credit profile, and property type. CMRE publishes updated San Francisco rate ranges daily and provides locked quotes within 24 hours of application.
How long does Foreign National Loans closing take in San Francisco?
CMRE typically closes Foreign National Loans loans in San Francisco within 21-30 days from application. Pre-approval takes 24 hours, and our CA-licensed team coordinates title, escrow, and appraisal concurrently to save time.
Can self-employed borrowers get Foreign National Loans in San Francisco?
Yes. CMRE Foreign National Loans programs serve self-employed San Francisco borrowers using 12-24 months of bank statements instead of tax returns. Business owners, freelancers, and gig workers in San Francisco County qualify under non-QM guidelines.
What documentation does Foreign National Loans require in San Francisco?
Foreign National Loans through CMRE requires alternative documentation instead of traditional tax returns. Options include bank statements, 1099 forms, asset verification, or profit & loss statements. Our San Francisco team guides you through the most favorable documentation path.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
A Foreign National Loan is a mortgage designed for individuals who are not U.S. citizens or permanent residents but wish to purchase property in the United States. These loans often have different requirements than traditional mortgages due to the complexities of verifying foreign income and assets.
You will typically need to provide documentation of your income (such as tax returns or employment letters), bank statements, asset verification, and a copy of your passport and visa. All documents may need to be translated into English.
Interest rates for Foreign National Loans are typically higher than those for traditional mortgages due to the increased risk associated with lending to foreign nationals. Our rates start at 7.5% and vary depending on your credit score, loan amount, and other factors. Contact us for a personalized rate quote.
The maximum LTV for our Foreign National Loan program is 80%, meaning you will need to provide a down payment of at least 20% of the property's purchase price.
No. Non-QM refers to documentation method, not credit quality. Fully regulated and compliant.
Varies: bank statement 660+, DSCR 660+, asset depletion 680+, recent credit event 620+.
Yes, 0.5%-2% higher than conventional. Tradeoff is flexibility for non-traditional qualification.
Yes. DSCR and bank statement are most popular for investors. No property count limit, LLC vesting available.
Foreign National Loans by Location
Get local rates, loan limits, and market data for Foreign National Loans in your area.
CA
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View county-level market data, loan limits, and mortgage rates on our territory pages.
Browse All Territories →TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
