Empowering Homeownership for All in Carmel Valley, CA

We believe everyone deserves the opportunity to own a home, regardless of their citizenship status. That's why we offer specialized foreign national loan programs in Carmel Valley, CA for ITIN (Individual Taxpayer Identification Number) holders and Foreign Nationals. We aim to make homeownership accessible and straightforward, ensuring you have the support you need throughout the process.

Program Highlights

Flexible Credit Requirements

We understand that credit profiles vary. Our ITIN and Foreign National loan programs in Carmel Valley, CA are accessible with a minimum credit score of 680, opening doors for more borrowers to qualify.

1. Loan Amount and Property Types for Foreign National Mortgages Carmel Valley, CA

Minimum Loan Amount: $100,000

Property Types:

  • Single Family Homes in Carmel Valley, CA (attached and detached)
  • Planned Unit Developments (PUDs)
  • Warrantable Condos (following FNMA requirements)
  • Non-Warrantable Condos (considered on a case-by-case basis, with exception pricing)
  • 2-4 Unit Properties in Carmel Valley, CA

2. Personalized Solutions

We recognize that each borrower has unique needs. Our team in Carmel Valley, CA will work with you to tailor a loan solution for your financial situation and homeownership goals.

3. Competitive Rates

Benefit from our competitive rates designed to make homeownership in Carmel Valley, CA more affordable for ITIN holders and Foreign Nationals.

Why Choose Horizon Lending Services?

Expertise in ITIN and Foreign National Loans

Our experienced team in Carmel Valley, CA understands the nuances of these specialized loan programs and is dedicated to providing you with the best service and support.

Smooth and Efficient Process

From application to closing, we ensure a seamless and hassle-free experience.

Commitment to Your Success

We are committed to helping you achieve your dream of homeownership in Carmel Valley, CA, providing personalized guidance every step of the way.

Affordable Homeownership for ITIN Holders in Carmel Valley, CA
Get Started Today

Ready to take the next step towards owning your home? Contact Horizon Lending Services in Carmel Valley, CA today to explore our ITIN and Foreign National loan programs. Our knowledgeable team is here to assist you and answer any questions you may have.

Horizon Lending Services

Your Partner in Inclusive Home Financing

Benefits of ITIN/Foreign National Home Loan in Carmel Valley, California

Benefits: ITIN/Foreign National home loans in Carmel Valley offer opportunities for non-U.S. residents to invest in real estate. These loans do not require a Social Security number and allow individuals to establish credit while owning property. They provide a pathway to homeownership for those who may not qualify for traditional mortgages.

Demographics: Carmel Valley boasts a diverse population with a mix of professionals, families, and retirees. The community is known for its high standard of living, excellent schools, and cultural diversity. The area attracts both local and international residents seeking a vibrant and welcoming environment.

Housing Market: The housing market in Carmel Valley is characterized by a mix of luxury properties, single-family homes, and upscale condominiums. The demand for housing remains strong due to the area's desirable location, top-rated schools, and proximity to employment centers. Home prices have shown steady appreciation over the years, making it an attractive investment opportunity.

Main Attractions: Carmel Valley offers a wealth of attractions, including the scenic Torrey Pines State Natural Reserve, world-class golf courses, and upscale shopping and dining options at places like the Del Mar Highlands Town Center. Residents can enjoy a laid-back coastal lifestyle with easy access to beaches and outdoor recreational activities.

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Fill our the form or shoot us a email at

sharon@horizonlendingservices.com
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If you have any questions or you prefer to speak via the telephone.

972-347-9224
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