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Angels Camp sits in the Sierra Nevada foothills — Gold Rush history, low density, and a pace of life that draws international buyers.
Non-US citizens can buy here. Foreign national loans make that possible without a Social Security number or US credit history.
30–40%
Min Down Payment
Not required
US Credit Score
Non-QM
Loan Category
Varies by lender
Rate Type
Longer than standard
Close Timeline
Foreign National Loans in Angels Camp
Most lenders want 30–40% down from foreign nationals. That higher down payment replaces the US credit profile you don't have.
You'll need a valid passport, visa documentation, and proof of foreign income or assets. Some lenders also require a foreign credit report.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Angels Camp.
Angels Camp sits in the Sierra Nevada foothills — Gold Rush history, low density, and a pace of life that draws international buyers.
Non-US citizens can buy here. Foreign national loans make that possible without a Social Security number or US credit history.
Most lenders want 30–40% down from foreign nationals. That higher down payment replaces the US credit profile you don't have.
Most retail banks won't touch foreign national loans. This is a non-QM product — specialty lenders handle it.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several focus specifically on foreign nationals buying US real estate.
The biggest mistake I see is buyers assuming their home country bank relationship helps here. It doesn't. You're starting fresh.
Get your foreign income documentation translated and ready early. Lenders want bank statements, tax records, or employer letters — all in English.
If you have an ITIN number, an ITIN loan may get you better terms than a standard foreign national program.
Investors buying to rent should look at DSCR loans — those qualify on rental income, not your personal finances at all.
Angels Camp properties often include acreage, older structures, or gold country cabins. Appraisals here take longer than in urban areas.
Calaveras County has limited comparable sales data. That can complicate the appraisal — a known issue in non-QM underwriting.
Yes. Foreign national loans are built for exactly that situation. A larger down payment compensates for no US credit history.
Most lenders accept B1, B2, and other non-immigrant visas. Some require the visa to be valid for at least 6 months.
Yes. Foreign nationals commonly use these loans for second homes and investment properties. Primary residence purchases are less common.
Expect 30–40% down. Rural properties sometimes require more due to limited comps and appraisal risk.
Not always, but having one helps. Lenders want to see where closing funds are coming from and verify the money trail.
Yes, typically. These are non-QM loans with more lender risk. Rates vary by borrower profile and market conditions.