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Crescent City sits at California's far northern edge — coastal, quiet, and far from the competitive bidding wars of Southern California.
For foreign nationals, that means lower entry prices and less competition. This market rewards patient buyers who do their financing homework first.
Not Required
US Credit Required
25–30%+
Min Down Payment
45–60 Days
Est. Close Time
Non-QM
Loan Type
3–6 Months
Reserves Required
Foreign National Loans in Crescent City
Foreign national loans don't follow Fannie Mae or Freddie Mac rules. Lenders set their own terms, and requirements vary significantly across them.
Most lenders want a valid passport, a visa, and proof of income from your home country. Expect to put down 25–30% or more.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Crescent City.
Crescent City sits at California's far northern edge — coastal, quiet, and far from the competitive bidding wars of Southern California.
For foreign nationals, that means lower entry prices and less competition. This market rewards patient buyers who do their financing homework first.
Foreign national loans don't follow Fannie Mae or Freddie Mac rules. Lenders set their own terms, and requirements vary significantly across them.
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 with competitive terms. Rates vary by borrower profile and market conditions.
The biggest mistake foreign national buyers make is waiting until they're in contract to figure out financing. These loans take longer to underwrite.
Get your foreign income docs translated and certified early. Lenders also want 3–6 months of reserves in a US or international account.
If you have a US ITIN number, an ITIN loan may be easier to qualify for than a foreign national loan. The documentation path is different.
Buying as an investment? A DSCR loan — which qualifies based on rental income, not your personal income — might be a cleaner option.
Del Norte County is rural and remote. That affects appraisals — comparable sales are limited, which can complicate valuations for lenders.
Crescent City also sits in a coastal zone with flood and seismic considerations. Factor in insurance costs when calculating your carrying costs.
Most lenders require a valid visa for foreign national loans. Some programs accept certain visa types only — confirm eligibility before applying.
Not always, but you need verifiable reserves. Some lenders accept international accounts with proper documentation and currency conversion.
Plan for 45–60 days minimum. Income verification from foreign countries adds underwriting time compared to domestic loans.
Yes. Many foreign national buyers purchase investment properties. A DSCR loan may actually be simpler depending on your rental income projections.
It's affordable and low-competition. It suits buyers seeking coastal California property without the price tags of bigger markets.