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Kingsburg sits in Fresno County's agricultural heartland. Non-US citizens buying here often have ties to local farming, food processing, or family already rooted in the area.
Foreign national loans fill a real gap. Standard conventional loans require US credit history — most international buyers simply don't have it.
25–30%
Min Down Payment
12 months post-close
Reserves Required
No
US Credit Required
Non-QM
Loan Category
Foreign National Loans in Kingsburg
Lenders want a valid foreign passport and visa. Some programs accept buyers with no US visa at all — pure foreign nationals purchasing as non-residents.
Expect a down payment of 25–30% minimum. Reserves matter too — most lenders require 12 months of payments sitting in your account after closing.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Kingsburg.
Kingsburg sits in Fresno County's agricultural heartland. Non-US citizens buying here often have ties to local farming, food processing, or family already rooted in the area.
Foreign national loans fill a real gap. Standard conventional loans require US credit history — most international buyers simply don't have it.
Lenders want a valid foreign passport and visa. Some programs accept buyers with no US visa at all — pure foreign nationals purchasing as non-residents.
Big banks mostly pass on foreign national deals. The programs that actually work live inside wholesale and portfolio lenders — not your local branch.
SRK CAPITAL has access to 200+ wholesale lenders. That reach matters enormously on niche programs like this one.
The biggest deal-killer is documentation. Foreign income is harder to verify — lenders want bank statements, asset letters, or rental income from existing properties.
DSCR-based foreign national loans work well for investment purchases. The property's rental income qualifies the loan, not your foreign pay stubs.
ITIN loans are the closest alternative. If a buyer has an IRS-issued tax ID and US income history, ITIN often gets better rates than a pure foreign national program.
Asset depletion loans work if you have large liquid holdings. Both ITIN and asset programs typically price better — foreign national loans carry more lender risk.
Kingsburg has a strong Scandinavian heritage and a tight-knit community. International buyers often come through business or family connections — not random speculation.
Fresno County's lower price points compared to coastal California mean down payment requirements are more reachable for foreign buyers entering the US market.
Yes. Foreign national programs don't require US credit history. Lenders use alternative documentation like foreign bank statements and asset verification.
Many programs accept B1/B2, E, L, and O visas. Some lenders fund loans with no US visa at all for pure non-resident buyers.
Yes, through a DSCR structure. The property's projected rent covers the debt — your personal foreign income doesn't need to qualify the loan.
Plan for 25–30% down on most foreign national programs. Higher down payments sometimes better pricing from lenders.
Yes. Foreign national loans fall outside standard qualified mortgage guidelines. They're portfolio or wholesale products with their own underwriting rules.
Yes. SRK CAPITAL works through documentation requirements with you upfront. Foreign income letters and translated statements need to be lender-ready before submission.