Nearly 28% of Californians are foreign-born, yet fewer than 20% of households can afford a median-priced home. Consider an immigrant family selling property overseas to fund a down payment.

Nearly 28% of Californians are foreign-born, yet fewer than 20% of households can afford a median-priced home. Consider an immigrant family selling property overseas to fund a down payment. Due to overseas banking restrictions, they receive the proceeds in cash. Without an acceptable paper trail, lenders cannot verify the funds, reducing the family's homebuying power. The challenge isn't a lack of money—it's proving its source. The same lending rules apply to everyone, but families navigating different financial systems can face greater barriers.