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Colusa is a small agricultural city in California's Central Valley. It draws foreign buyers interested in farmland, rural property, and long-term investment.
Foreign national loans make it possible to buy here without a US credit history or Social Security number. These are non-QM loans — they follow different rules than standard mortgages.
25–30% typical
Down Payment
Not required
US Credit Required
45–60 days
Est. Close Time
Non-QM
Loan Type
Foreign National Loans in Colusa
You'll need a valid foreign passport and a visa or entry document. Most lenders want proof of income from your home country and a reference letter from a foreign bank.
Down payments typically run 25–30%. Lenders see foreign nationals as higher risk, so expect stricter terms than a standard purchase loan.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Colusa.
Colusa is a small agricultural city in California's Central Valley. It draws foreign buyers interested in farmland, rural property, and long-term investment.
Foreign national loans make it possible to buy here without a US credit history or Social Security number. These are non-QM loans — they follow different rules than standard mortgages.
You'll need a valid foreign passport and a visa or entry document. Most lenders want proof of income from your home country and a reference letter from a foreign bank.
Most big retail banks won't touch foreign national loans. You need a lender with a specific wholesale program built for this borrower profile.
SRK CAPITAL works with 200+ wholesale lenders. A handful specialize in foreign national programs with competitive terms.
The biggest deal-killer I see is documentation. Foreign income is hard to verify for US lenders. Get your bank statements translated and certified before you apply.
Colusa properties may appraise lower than urban California markets. Some lenders require a second appraisal on rural or agricultural-zoned land. Know this upfront.
If you have an ITIN number, an ITIN loan may offer better rates and lower down payment requirements. ITIN programs are designed for residents — foreign national loans are for buyers living abroad.
DSCR loans are another option if you're buying rental property. They qualify based on rental income, not personal income. That sidesteps the foreign income verification problem entirely.
Colusa County has significant agricultural land. Foreign buyers often target this area for farming operations or long-term land investment.
Agricultural-zoned parcels can complicate financing. Not every foreign national lender is set up to handle ag-zoned or mixed-use rural property — ask before you commit.
Some lenders allow purchases with just a valid passport. Visa requirements vary by lender program.
Not always. Most lenders accept foreign bank statements. A reference letter from your bank helps significantly.
It's possible, but fewer lenders offer it. Agricultural zoning adds underwriting complexity — work with a broker who knows rural programs.
Many programs don't require US credit history at all. Lenders use foreign credit reports or alternative documentation instead.
Expect 45–60 days minimum. International document collection and translation add time to the process.