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Clovis sits in Fresno County, one of California's most affordable metros. That makes it attractive to foreign buyers who want California real estate without Bay Area price tags.
Foreign national loans are non-QM products. That means they fall outside standard Fannie Mae and Freddie Mac guidelines — but they're widely available through wholesale lenders.
Not Required
U.S. Credit Required
25–30%
Typical Down Payment
Non-QM
Loan Category
Valid Passport + Visa
Key Doc
Foreign National Loans in Clovis
You don't need a Social Security number or U.S. credit history. Lenders qualify you on your foreign assets, income, or the property's rental income instead.
Most lenders want a valid passport and visa documentation. Down payments typically start at 25-30%. The stronger your reserves, the better your terms.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Clovis.
Clovis sits in Fresno County, one of California's most affordable metros. That makes it attractive to foreign buyers who want California real estate without Bay Area price tags.
Foreign national loans are non-QM products. That means they fall outside standard Fannie Mae and Freddie Mac guidelines — but they're widely available through wholesale lenders.
You don't need a Social Security number or U.S. credit history. Lenders qualify you on your foreign assets, income, or the property's rental income instead.
Big retail banks rarely touch foreign national loans. This is a wholesale and private lender market. You need a broker with access to the right shelf.
At SRK CAPITAL, we shop across 200+ wholesale lenders. Foreign national programs live with a subset of those — but we know exactly which ones are active in Fresno County.
The biggest deal-killers I see: buyers who wait too long to gather foreign income docs. Get your bank records translated and certified before you start shopping.
Visa type matters more than most buyers expect. B-2 tourist visa holders face tighter options than E-2 or H-1B holders. Know your visa category before you apply.
ITIN loans are the closest alternative. They're designed for borrowers with U.S. tax history but no Social Security number. If you file U.S. taxes, ITIN may get you better terms.
DSCR loans are another option if you're buying a rental. The property's income qualifies the loan — not yours. That sidesteps the foreign income documentation problem entirely.
Clovis has a growing international community, particularly among medical and tech professionals at nearby institutions. Demand for foreign national financing here is real and steady.
Fresno County's lower price points mean loan amounts often fall well below jumbo thresholds. That keeps monthly payments manageable even at foreign national rate premiums.
Yes. Foreign national loans don't require U.S. credit history. Lenders use your foreign financial profile and down payment instead.
Most visa types qualify, but terms vary. E-2, H-1B, and L-1 holders generally have more options than B-1 or B-2 visa holders.
Plan for 25-30% down minimum. Some lenders require more depending on your visa status and the property type.
Yes, and investment properties are often easier to approve. A DSCR loan may also be worth comparing if the property generates rental income.
Not always, but U.S.-held reserves make approval significantly easier. Most lenders want to verify liquid assets before closing.
Yes. These are non-QM loans and carry a rate premium over conventional financing. Rates vary by borrower profile and market conditions.