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Dublin attracts buyers from across the globe. Its proximity to Silicon Valley tech jobs makes it a top target for foreign nationals buying property.
Foreign national loans fill the gap for buyers without a US credit history or Social Security number. These are non-QM loans — outside standard Fannie Mae guidelines.
30-40%
Min Down Payment
45-60 days
Est. Close Time
12 months
Reserves Required
Not required
US Credit Score
Most lenders want 30-40% down on a foreign national purchase. That down payment requirement is the single biggest hurdle for most buyers.
You'll need a valid passport, proof of income from your home country, and 12 months of reserves. Some lenders also require a reference letter from your foreign bank.
Very few retail banks offer foreign national loans. Most pull back the moment they see a foreign passport — this is a wholesale lender specialty.
We work with 200+ wholesale lenders, and only a handful consistently close these deals. The right lender match matters enormously on these files.
Bankrate flagged rates climbing to 6.19% on geopolitical pressure. For foreign national loans, rates already run higher than conventional — so rate movement hits these borrowers harder.
Get your foreign bank reference letter early. That single document delays more foreign national closings than anything else we see.
If you have an ITIN number, an ITIN loan may get you better terms and a lower down payment. That's worth exploring before committing to a foreign national program.
DSCR loans are another path if you're buying investment property. DSCR qualifies on rental income, not your personal income — which sidesteps the foreign income documentation entirely.
Dublin sits in Alameda County, a high-cost area. Loan amounts on foreign national programs vary by lender, but most will lend well into the jumbo range here.
The Dublin-Pleasanton BART corridor draws international renters and buyers. If you're buying to rent, the local rental demand is real and lenders familiar with the area know it.
Yes. Foreign national loans are designed for this. Lenders use foreign bank references and income docs instead.
Expect 30-40% down on most foreign national programs. Some lenders may require more depending on the property type.
Not necessarily. Some lenders allow remote closings with a power of attorney. Confirm this with your lender before you start.
Yes. Both owner-occupied and investment purchases are possible. A DSCR loan may also be worth comparing for rentals.
Plan for 45-60 days minimum. Foreign income verification and bank reference letters add time to the standard timeline.
Foreign National Loans in Dublin