You can buy a home in California without a Social Security Number. ITIN loans and Foreign National programs support non US citizens, non residents, and many visa holders with clear documentation paths. Mike Wright explains eligibility, income methods, funds verification, and closing steps. Office at 2130 Main St, Suite 250, Huntington Beach. Licensed in AZ, CA, FL, ID, TN, and WY.
ITIN mortgages allow qualified buyers to purchase using an Individual Taxpayer Identification Number. Lenders verify identity, lawful presence, income, and funds while accepting an ITIN in place of a Social Security Number. Mike Wright confirms program fit, organizes documents, and shows clear numbers for payment, cash to close, and reserves so you can move forward with confidence.
Foreign National and Non US Citizen programs serve clients who live abroad or reside in the United States on a valid visa. Rules focus on identification, lawful presence, and strength of funds and income. Mike Wright reviews your status, explains accepted documentation, and matches you with a lender whose guidelines align with your situation and purchase goals.
Expect a passport, visa if applicable, proof of ITIN when used, and verified funds. Income can be supported by employer letters, international statements, accountant letters, or rent schedules for DSCR options. Mike Wright builds a checklist, coordinates translations when needed, and verifies each item meets lender standards so underwriting remains smooth and predictable.
These programs often require larger down payments and specific reserve levels. Stronger equity and seasoned funds can improve approval strength and pricing. Mike Wright models scenarios that show cash to close, expected payment, and reserve requirements, then recommends a structure that balances cost, flexibility, and your timeline for a calm path to closing.
Income may be earned in the United States or abroad. Lenders review stability and convert foreign currency to dollars using accepted methods. Some programs allow alternative documentation that reflects real cash flow. Mike Wright prepares a clear income summary and presents your earnings in a format that helps underwriters approve your file with confidence.
International purchases benefit from early pre approval, verified funds, and a defined schedule. Mike Wright organizes wire instructions, remote signing or power of attorney when appropriate, and coordinates with escrow and title. You receive steady updates and confirmed dates so time zones and travel do not slow progress. The result is a calm and timely closing.
You get a lending partner who understands ITIN loans, Foreign National programs, and international documentation. Based in Huntington Beach and serving California as the main location, Mike Wright coordinates with your agent and advisors, presents a complete file to the lender, and manages each step from pre approval to funding. Licensed in AZ, CA, FL, ID, TN, and WY.
Start here to learn how ITIN loans work, how eligibility is confirmed for non US citizens, and which documents support a smooth approval. See what to expect for down payment, reserves, income verification, and closing logistics. Mike Wright provides step by step guidance so you can purchase in California with confidence.
An ITIN mortgage allows eligible buyers to purchase a home using an Individual Taxpayer Identification Number when a Social Security Number is not available. Lenders verify identity, funds, and income and then structure a loan that fits program rules for primary homes, second homes, or investments when allowed.
No. Many buyers use an ITIN or a Foreign National program. You will need valid identification, proof of lawful presence when required, verified funds, and acceptable income documentation. Mike Wright confirms which path fits and explains how to prepare documents so your approval stays on schedule.
Eligibility depends on lender guidelines. Programs look at credit references or alternative credit, income stability, and reserve levels. Mike Wright reviews your profile and matches you with lenders that accept ITIN borrowers and documentation that reflects your real financial picture.
Lenders may accept employer letters, accountant statements, bank statements, or rent schedules for DSCR options. If income is abroad, it is converted to dollars using accepted methods. Consistency over time is important. Mike Wright prepares a clear income summary and gathers proof that meets lender standards.
These loans often ask for larger down payments and set reserve minimums. More equity and stronger reserves can improve terms. Mike Wright provides side by side scenarios that show cash to close, monthly cost, and long term impact so you can choose a plan that fits your goals and risk tolerance.
Many programs allow a range of occupancy types, subject to each lender’s rules. DSCR paths may be available for investments that qualify on rental income. Mike Wright confirms property eligibility and aligns loan terms with your plan for occupancy, cash flow, and long term ownership.
Rules vary by lender and property type. Some fund in an individual name with transfer after closing, while others permit entity vesting with conditions. Mike Wright coordinates with your legal and tax advisors, confirms lender rules, and prepares documents so your vesting choice does not delay the timeline.
Timing depends on file complexity and appraisal schedules. A prepared file moves faster. Mike Wright sets expectations, confirms wire and signing logistics, and keeps communication clear. You receive a defined schedule from pre approval to funding so your purchase remains organized and on track.
