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Oroville sits in Butte County, one of California's more affordable inland markets. That price point attracts foreign buyers looking for cash-flowing rentals without the jumbo loan complexity of coastal cities.
Foreign national loans are non-QM products — meaning they don't follow standard government lending rules. That gives lenders flexibility, but it also means terms vary sharply from one lender to the next.
30%
Min Down Payment
12 months
Reserves Required
Not Required
US Credit Score
45–60 Days
Est. Close Time
Non-QM
Loan Classification
Foreign National Loans in Oroville
You don't need a US credit score to qualify. Most lenders accept a foreign credit report or alternative documentation showing financial stability.
Expect a minimum 30% down payment. Reserves of 12 months or more are standard. Lenders want to see you can carry the loan without US income verification.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Oroville.
Oroville sits in Butte County, one of California's more affordable inland markets. That price point attracts foreign buyers looking for cash-flowing rentals without the jumbo loan complexity of coastal cities.
Foreign national loans are non-QM products — meaning they don't follow standard government lending rules. That gives lenders flexibility, but it also means terms vary sharply from one lender to the next.
You don't need a US credit score to qualify. Most lenders accept a foreign credit report or alternative documentation showing financial stability.
Most retail banks won't touch foreign national loans. This is a wholesale and private lender product almost exclusively.
At SRK CAPITAL, we work with 200+ wholesale lenders — several specialize in foreign national programs. That competition works in your favor on rate and terms. Rates vary by borrower profile and market conditions.
The biggest mistake foreign buyers make is assuming this loan works like a conventional mortgage. It doesn't. Documentation requirements are stricter and the review process takes longer.
Butte County properties often appraise differently than urban markets. Make sure your lender is comfortable with rural or semi-rural collateral — not all foreign national lenders are.
ITIN loans are a close cousin — designed for borrowers with a US Individual Taxpayer ID but no Social Security number. If you have an ITIN, that program often has better rates.
DSCR loans — which qualify based on rental income, not personal income — are another strong option for Oroville investment properties. They don't require nationality documentation at all for some lenders.
Oroville's rental market is driven largely by local workers and proximity to outdoor recreation. Foreign investors buying here are almost always targeting long-term rentals, not vacation homes.
Butte County has seen rebuilding activity since the 2018 Camp Fire impacted the region. Some lenders add extra scrutiny to properties near high fire-risk zones — factor that into your lender search.
Yes. Most foreign national lenders accept a foreign credit report or alternative financial documents. A US credit score is not required.
Accepted visa types vary by lender. Common approvals include B1/B2, E-2, and other non-immigrant visas. Some lenders also work with investors from visa-waiver countries.
Plan on at least 30% down. Some lenders require more depending on the property type and your documentation profile.
Some lenders allow entity purchases, but documentation requirements increase significantly. Expect additional legal and underwriting review.
It can be. Some lenders limit foreign national programs to urban markets. We specifically look for lenders comfortable with Butte County collateral.
Foreign national loans typically take longer than conventional loans — often 45 to 60 days. Start your documentation before you make an offer.