Loading
Loading
Amador City is one of California's smallest incorporated cities. Its Gold Rush history and quiet charm attract international buyers looking for unique investment properties.
Foreign national loans let non-US citizens buy property here without a Social Security number or US credit history. That opens the door to a market most lenders won't touch.
Not Required
US Credit Score
25-30%
Min Down Payment
12 Months
Reserves Required
Non-QM
Loan Category
Foreign National Loans in Amador City
Most lenders want a valid passport, visa documentation, and proof of foreign income or assets. Some programs accept a foreign credit report in place of a US score.
Down payments typically start at 25-30%. Reserves matter — lenders want to see 12 months of mortgage payments in liquid assets after closing.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Amador City.
Amador City is one of California's smallest incorporated cities. Its Gold Rush history and quiet charm attract international buyers looking for unique investment properties.
Foreign national loans let non-US citizens buy property here without a Social Security number or US credit history. That opens the door to a market most lenders won't touch.
Most lenders want a valid passport, visa documentation, and proof of foreign income or assets. Some programs accept a foreign credit report in place of a US score.
Most banks won't write foreign national loans. This is a specialty product, and it lives almost entirely in the wholesale and private lending space.
As a broker with access to 200+ wholesale lenders, we can shop programs built specifically for this borrower profile. Retail banks will turn you away — we won't.
The biggest mistake I see is buyers showing up without organized foreign asset documentation. Get your bank statements translated and notarized before you apply.
Visa type matters more than most borrowers realize. B-1/B-2 tourist visa holders face stricter terms than E-2 or L-1 visa holders. Know your visa category going in.
ITIN loans are sometimes confused with foreign national loans. ITIN loans are for borrowers with US tax history. Foreign national loans require neither a US tax ID nor a Social Security number.
DSCR loans are another option if you're buying a rental property. If the rent covers the mortgage, some DSCR lenders will approve foreign nationals without income docs at all.
Amador City properties are often older historic structures. Lenders on foreign national programs can be pickier about property condition — budget for an appraisal that may require repairs.
Amador County sits in California's Sierra Nevada foothills. International buyers often target this area for vacation use or wine country investment, not primary residence.
Yes. Foreign national loans don't require a US credit history. Some lenders accept a foreign credit report or rely on asset verification instead.
Most visa types qualify, but terms vary. E-2, L-1, and O-1 holders typically get better terms than B-1/B-2 tourist visa holders.
It can be. Lenders want properties in good condition. Older homes in Amador City may need repairs before an appraisal passes lender standards.
Some lenders accept foreign rental income with documented proof. Others rely purely on assets. Program rules vary — we shop both types.
Plan for at least 25-30% down. Some programs require 35-40% depending on property type and visa status. Rates vary by borrower profile and market conditions.
Yes. Foreign national loans can be used for second homes and investment properties. Primary residence use has stricter requirements.