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Fortuna sits in Humboldt County — rural, affordable, and far from the coastal price wars. That makes it attractive for foreign nationals buying a U.S. property without breaking the budget.
Foreign National loans are non-QM products. That means they fall outside standard agency guidelines and require a lender who actually specializes in them.
30%+
Min Down Payment
12 months PITI
Reserves Required
Not required
U.S. Credit Required
45–60 days
Est. Close Time
Non-QM
Loan Category
Foreign National Loans in Fortuna
No U.S. credit history? That's expected. Lenders use foreign credit reports, bank references, or asset verification instead.
Most programs require 30% down or more. Expect reserves of 12 months PITI — that's your principal, interest, taxes, and insurance — sitting in a verifiable account.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Fortuna.
Fortuna sits in Humboldt County — rural, affordable, and far from the coastal price wars. That makes it attractive for foreign nationals buying a U.S. property without breaking the budget.
Foreign National loans are non-QM products. That means they fall outside standard agency guidelines and require a lender who actually specializes in them.
No U.S. credit history? That's expected. Lenders use foreign credit reports, bank references, or asset verification instead.
Most retail banks won't touch Foreign National loans. You need a non-QM lender or a portfolio lender — one who holds the loan instead of selling it.
At SRK CAPITAL, we work with 200+ wholesale lenders. A handful specialize in Foreign National programs. We know which ones price well and which ones drag out the process.
The biggest deal-killer we see: funds that can't be sourced. Your down payment must come from a documented, traceable account. Wire transfers from undocumented sources stop the deal cold.
Visa type matters too. Some lenders won't lend to borrowers on certain visa categories. Run that by your broker before you fall in love with a property.
If you have a U.S. taxpayer ID and have filed taxes, an ITIN loan may get you better terms than a Foreign National program. It's worth checking before you commit.
DSCR loans are another route if you're buying a rental. They qualify on property income, not personal income — and some DSCR lenders also serve foreign nationals.
Fortuna is a small market. Appraisals can come in conservative, especially for non-standard properties. Foreign nationals buying rural Humboldt County land face extra scrutiny on value.
Title and escrow in Humboldt County move at their own pace. International wire transfers add another layer. Budget extra time — 45 to 60 days is realistic for this loan type here.
Yes. Foreign National loans accept a passport and foreign credit references. A U.S. SSN is not required.
Most Foreign National programs require at least 30% down. Some lenders go higher depending on the property type.
It can. Certain visa categories are restricted by specific lenders. Confirm your visa situation before applying.
Yes, but a DSCR loan may work better for rentals. Some DSCR lenders specifically accommodate foreign nationals.
Budget 45 to 60 days. Document translation and international wire transfers add time to the standard timeline.
Not always. Many lenders accept foreign bank statements as proof of reserves. Ask your broker what formats are accepted.