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Paradise is a rebuilding mountain community in Butte County. Non-US citizens buying here face a niche market with limited comparable sales.
Foreign national loans are non-QM products. That means lenders set their own rules — and those rules vary widely across our 200+ wholesale partners.
Not Required
US Credit Required
25–40%
Typical Down Payment
Non-QM
Loan Type
30–45 Days
Est. Close Time
12+ Months Typical
Reserves Required
Foreign National Loans in Paradise
Most foreign national programs require a valid passport and visa. Some lenders accept borrowers from specific countries only — this matters early in the process.
Expect a down payment of 25–40%. Credit history from your home country typically doesn't transfer, so lenders rely on alternative documentation.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Paradise.
Paradise is a rebuilding mountain community in Butte County. Non-US citizens buying here face a niche market with limited comparable sales.
Foreign national loans are non-QM products. That means lenders set their own rules — and those rules vary widely across our 200+ wholesale partners.
Most foreign national programs require a valid passport and visa. Some lenders accept borrowers from specific countries only — this matters early in the process.
Most retail banks won't touch foreign national loans. This is a wholesale and private lender product — which is exactly where we operate.
We access lenders who specialize in cross-border buyers. Rates vary by borrower profile and market conditions, but foreign national pricing runs higher than conventional.
The biggest deal-killer we see: borrowers from restricted countries. Some lenders blacklist certain nations entirely. Know this before you make an offer.
Wire transfers for down payment and reserves need clear documentation. Lenders will trace the source of funds — prepare that paper trail early.
If you have a US Individual Taxpayer ID, an ITIN loan is likely a better fit. ITIN programs have more lenders competing for your business.
DSCR loans are another option if you're buying as a rental investment. Those loans underwrite the property's income — not your personal income or citizenship.
Paradise is still recovering from the 2018 Camp Fire. Property values here are lower than coastal California, but appraisal gaps and fire risk affect lender appetite.
Some foreign national lenders apply stricter rules in disaster-prone zones. Insurance availability is a real hurdle — budget for high-risk fire zone premiums.
Yes. Foreign national loans don't require an SSN. A valid passport and visa are the baseline — some lenders require more depending on your country of origin.
Plan for 25–40% down. The exact amount depends on the lender and your country of residence.
It can. Some specialty lenders restrict loans in high fire-risk zones. We'll identify which lenders are comfortable with Butte County properties upfront.
Not always. Some lenders allow remote or power-of-attorney closings. This varies by lender and requires advance planning.
Yes. A DSCR loan may actually be a stronger fit for an investment purchase. It underwriters the rental income rather than your personal finances.
Expect 30–45 days minimum. Source-of-funds documentation and wire verification often extend timelines — start the process early.