Arcadia Mortgage Broker
Buying a big house with income or savings that sit outside the U.S., and tired of banks that shrug? We shop your loan across more than 100 lenders and find the ones that accept your money. Calling us starts a conversation, not an application.
- ✓ NMLS #1277693
- ✓ Licensed in California
- ✓ Direct broker access
Buying Here When Your Money Comes From Abroad
Your income, savings or family money sit in another country, and every U.S. bank you have asked treats that as a problem. A mortgage broker finds the lenders that accept it. We shop your loan across more than 100 lenders and tell you which ones are likely to say yes before you apply.
What a foreign national loan is
A foreign national loan is for a buyer with no U.S. credit history or U.S. income. The lender looks at the money you hold, sometimes in overseas accounts, and at the reserves you can show. Lenders differ on which accounts and papers they accept, and papers in another language need a certified translation. We tell you what each lender wants before you gather anything. Get a quote to see where you stand.
If you paid cash to win the house
Many purchases here are all cash, so buyers often want money back out afterward. Some lenders will lend against a house soon after a cash purchase, and their rules on how soon are not the same. We find the ones with the friendliest rule for your closing date, so your cash does not stay locked in the house. Ask for a quote.
Where most buyers land
Jumbo loans lead, because the estate homes are almost all priced past the conforming limit. Foreign national loans are a strong second. Bank statement loans serve business owners, and DSCR loans serve people buying a house to rent out. Each of those goes to a different short list of lenders, which is why we sort before you apply. Call (818) 478-2555 to start.
Money from abroad is still money. The trouble is that most lenders never learned how to count it. I know the few that did, so we start with them and spare you a string of applications that go nowhere.
If Your Loan Is Bigger Than a Bank Wants to Write
Your estate purchase is well past the conforming limit, so you need a jumbo loan. Jumbo lenders write their own rules on cash reserves and credit, and they disagree with one another more than most buyers expect. The best offer on your loan may come from a lender you have never heard of. We line up the ones that fit before you spend time on paperwork. See our jumbo loan overview.
When Your Income and Savings Are Overseas
You can afford the house, but your money is held in another country and you have no U.S. credit score. A foreign national loan is built for that. The lender looks at the assets you can show rather than a U.S. paycheck. Which countries and account types it accepts depends on the lender, so we ask first and save you the surprise. Start with a quick quote.
After You Pay Cash for the House
You made a cash offer to win the house, and now your money is stuck in the walls. Some lenders will lend against the home soon after you buy, which puts cash back in your hands. How soon they will do it varies a lot. We check each lender's rule against your closing date and pick the one that lets you move first.
If You Own a Business
Your company earns well, and your tax return makes it look modest. A bank statement loan reads 12 to 24 months of deposits and qualifies you on what actually arrived. Lenders count those deposits differently, so we test your statements before you choose. See our bank statement loan overview.
Buying an Investment House
You want a house to rent out, and you would rather the rent carry the loan than your own income. A DSCR loan compares the rent against the payment and qualifies you on that. The kind of house and how you prove the rent decide which lender fits. See our DSCR loan overview.
Arcadia Loan Details Side by Side
Who We Help Most Often
Contact Advanced Funding Solutions to discuss whether this program may be a fit for your scenario. Eligibility, loan amounts, and terms are set by the funding lender after a complete application and underwriting review.
Get a Quote →- You are buying an estate home and your loan is well past the conforming limit
- Your income or savings are held in another country and you have no U.S. credit history
- You paid cash for a house and want to borrow against it afterward
- You own a business and your tax return does not show what you earn
- You are buying a house to rent out and want the rent to qualify you
What Happens After You Call
Share Where Your Money Is and What You Want
Nothing formal begins here. Tell us what you want to buy, whether your income comes from the U.S. or abroad, and where your savings sit. Those answers decide which lenders are worth calling. A buyer with overseas assets and a buyer with U.S. paychecks belong on different lists, and we sort you onto the right one.
We Screen Lenders Against Your Documents
Each lender accepts different papers, so we check yours against their rules before you apply. We ask about accounts abroad, translation needs and how they treat a thin U.S. credit history. You see a short list of lenders that fit, with what each one asks for. That saves weeks of guessing.
Send Papers, Translated Where Needed
We give you a checklist so you collect only what your lender needs. Papers in another language need a certified translation, and we tell you when that applies. We send the loan to the lender with the best fit and answer questions as they come. You are not left wondering what happens next.
The Lender Approves and Funds, and You Close
The lender reviews your papers, orders an appraisal, and approves and funds the loan. We stay on it until closing and tell you what each step means. When it is done, you know who collects your payments and where to send them.
Mortgage Broker in Arcadia: Common Questions Answered
I live abroad. Can I get a loan on a house here?
Do you accept bank statements from overseas?
Do my documents need to be translated?
Can I take cash out of a house I paid cash for?
What happens if I have no U.S. credit score?
How much cash will a jumbo lender want me to keep?
Is a foreign national loan only for people living overseas?
What happens on the first call?
About Mortgage Broker in Arcadia, CA
Large lots and gated estates set the tone here. The Oaks of Arcadia holds the top of the market, homes near Santa Anita Park fill the upper band, and traditional estates in Lower Rancho sit a step below. Nearly all of it prices past the conforming limit, so jumbo loans are the normal path and not the exception.
Foreign national buyers make up a large share of the market, and many purchases are all cash. That makes foreign national loans and cash out after purchase a regular part of the picture. School district quality also drives a lot of the buying.
When assets sit abroad, the paperwork is where deals slow down. Settling the translation and account questions before the appraisal can save weeks.
Shopping across the county? Read about a mortgage broker in Los Angeles for the full list of loan types, or send us your plans and we will point you at the right one.
Mortgage Broker programs in California → · Los Angeles County Mortgage Broker Overview → · Advanced Funding Solutions, NMLS #1277693 →
Other Loan Programs in Arcadia
Arcadia borrowers working with Advanced Funding Solutions have access to the full non-QM suite, not just mortgage broker. Whether you need jumbo loans in Arcadia , hard money loans in Arcadia, AFS routes your scenario across 100+ wholesale lenders to the one best positioned to fund it.
Mortgage Broker in Other California Cities
Tell us where your money is
Tell us what you want to buy and where your income and savings sit, and we will name the lenders most likely to say yes before you apply anywhere. Call (818) 478-2555 or send the form. Advanced Funding Solutions, NMLS #1277693, is a licensed mortgage brokerage in California. All loans are subject to credit, income, asset, property, and underwriting approval.
Ready for a Arcadia Mortgage Broker quote?
Advanced Funding Solutions, NMLS #1277693. Licensed in California. No call center. No junior LO handoff.