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Delano sits in the heart of Kern County's agricultural corridor. Non-US citizens buying here are often tied to the region's farming and labor industries.
Foreign national loans fill a real gap. Standard Fannie Mae and Freddie Mac programs require US credit history — most international buyers simply don't have it.
Not Required
US Credit Required
25–30%
Min Down Payment
12–24 Months
Reserves Required
Non-QM
Loan Category
Foreign National Loans in Delano
You need a valid foreign passport and visa. Most lenders also want proof of income from your home country and 12–24 months of reserves.
Down payments typically start at 25–30%. Lenders take on more risk without US credit, so they offset it with a larger borrower stake.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Delano.
Delano sits in the heart of Kern County's agricultural corridor. Non-US citizens buying here are often tied to the region's farming and labor industries.
Foreign national loans fill a real gap. Standard Fannie Mae and Freddie Mac programs require US credit history — most international buyers simply don't have it.
You need a valid foreign passport and visa. Most lenders also want proof of income from your home country and 12–24 months of reserves.
Most retail banks won't touch foreign national loans. This is a specialty product — only a fraction of lenders offer it, and terms vary widely.
Working with a broker matters here. We access 200+ wholesale lenders, including non-QM shops that actively price foreign national programs.
The biggest deal-killer we see is documentation. Foreign income statements need translation and sometimes CPA certification to satisfy underwriters.
Some lenders also restrict loans by country. If you're from a OFAC-sanctioned country, you won't qualify — full stop. Flag this early.
If you have a US ITIN number, an ITIN loan may get you better terms than a foreign national program. Lower down payment, more lender options.
DSCR loans are another path for investment buyers. They qualify based on rental income — not your personal income or credit history.
Delano has a large immigrant workforce tied to agriculture. Foreign national loans come up often for buyers with strong home-country income but no US file.
Property prices in Delano are lower than coastal California. That helps — you need less loan, which reduces lender risk on these programs.
Yes. Foreign national loans don't require a SSN. A valid passport and visa are the baseline identity documents lenders need.
B1, B2, and other non-immigrant visas often qualify. Requirements vary by lender — some are stricter about visa type than others.
Lenders accept foreign pay stubs, employer letters, and bank statements. Documents usually need English translation and sometimes CPA review.
Yes. Many foreign national buyers in Kern County purchase for investment. DSCR programs may also fit if the property generates rental income.
Expect higher rates than conventional. Lenders price in the added risk of no US credit profile. Rates vary by borrower profile and market conditions.