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Lafayette attracts international buyers seeking stable US real estate in top-tier school districts. Foreign nationals target this market for family residences and long-term investment properties.
Most conventional lenders won't touch foreign national deals. We work with specialized portfolio lenders who underwrite these loans based on property value and down payment strength.
Expect 30-40% down payments and rates 1-2% above conventional programs. The premium buys access to one of the Bay Area's most stable markets without needing citizenship or residency status.
Foreign National Loans in Lafayette
You need a valid passport, proof of foreign income, and substantial liquid assets. Most lenders require 30-40% down for purchases, 35-45% equity for refinances.
Credit requirements vary. Some lenders use US credit if you have it. Others underwrite purely on assets and down payment when foreign credit reports aren't available.
No US tax returns needed. Lenders verify foreign income through bank statements, employer letters, or business documentation from your home country.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Lafayette.
Lafayette attracts international buyers seeking stable US real estate in top-tier school districts. Foreign nationals target this market for family residences and long-term investment properties.
Most conventional lenders won't touch foreign national deals. We work with specialized portfolio lenders who underwrite these loans based on property value and down payment strength.
Expect 30-40% down payments and rates 1-2% above conventional programs. The premium buys access to one of the Bay Area's most stable markets without needing citizenship or residency status.
Only 15-20 wholesale lenders in our network handle foreign national loans. Each has different country restrictions and documentation requirements.
Some lenders blacklist certain countries due to wire transfer restrictions or sanctions. Others price based on country risk tiers.
We shop your file across lenders who work with borrowers from your specific country. This matters more than most borrowers realize when pricing varies 50+ basis points between lenders.
Lafayette deals typically run $1.5M-$3M. At these price points, the rate premium costs less than most international buyers expect compared to losing properties in bidding wars.
Structure matters. Some buyers use US-based LLCs, others purchase in personal names. Your tax advisor should weigh in before we lock loan structure.
Budget 60-75 days for closing. Foreign documentation takes longer to verify. Sellers who understand this timeline get deals done.
If you have an ITIN and two years of US tax returns, ITIN loans often beat foreign national pricing by 50-75 basis points. Worth filing returns if you're planning multiple US purchases.
For investment properties, DSCR loans sometimes work if the property generates enough rent. These skip income verification entirely and price to the rental cash flow.
Asset depletion loans require US assets but accept foreign nationals with substantial stateside accounts. Rates typically fall between DSCR and foreign national programs.
Lafayette's limited inventory and strong schools drive international competition. Foreign buyers compete with tech wealth and local move-up buyers on every listing.
Most properties here exceed conforming limits. Foreign national programs handle loan amounts up to $3M-$5M depending on the lender and down payment.
Contra Costa County recording processes work the same for foreign nationals as US citizens. Title companies here handle international wire transfers routinely.
Yes. Most lenders allow remote closing through mobile notaries or US-based representatives with power of attorney. We coordinate the entire process digitally.
Restrictions change based on sanctions and wire transfer rules. Currently, most lenders avoid Iran, North Korea, Syria, and a few others. We check your specific country upfront.
Bank statements showing regular deposits work for most lenders. Some accept employer letters or business financials translated to English by certified translators.
Yes. You need a US account for down payment and closing costs. Most foreign nationals open accounts with major banks before starting the purchase process.
Yes. Foreign national loans work for second homes and investment properties. Usage type affects down payment requirements but not eligibility.