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Taft sits in Kern County's oil country. Non-US citizens working in energy or agriculture find real value here.
Property prices in Taft run well below coastal California. That makes entry points realistic for foreign national buyers.
Not required
US Credit Required
25–30%
Min Down Payment
12 months typical
Reserves Required
Non-QM
Loan Type
Foreign National Loans in Taft
You do not need a US credit score. Most lenders accept a foreign credit report or asset-based qualification instead.
Expect a down payment of 25–30%. Reserves of 12 months or more are standard. Documentation requirements are strict.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Taft.
Taft sits in Kern County's oil country. Non-US citizens working in energy or agriculture find real value here.
Property prices in Taft run well below coastal California. That makes entry points realistic for foreign national buyers.
You do not need a US credit score. Most lenders accept a foreign credit report or asset-based qualification instead.
Foreign national loans are non-QM. Your local bank almost certainly won't do one. You need a broker with wholesale access.
SRK CAPITAL works with 200+ wholesale lenders. Several specialize in foreign national programs that most brokers never see.
The biggest mistake I see is buyers using a tourist visa to purchase. Some programs allow it — most don't. Visa type matters immediately.
Get your foreign credit report ordered early. Translation delays can push your close date back weeks. Plan for that upfront.
ITIN loans are a close cousin. If you have an ITIN and file US taxes, that program often has better rates and lower down payment requirements.
DSCR loans work well for investment purchases. If the property cash flows, your personal income and visa status matter less.
Kern County's oil industry brings in workers from Mexico, Canada, and overseas. That buyer profile fits foreign national programs well.
Taft's lower price points mean smaller loan balances. That can work in your favor — fewer lenders add rate premiums on smaller foreign national loans.
Some lenders allow it, most don't. Visa type is the first thing a lender checks. We'll match you to programs that fit your specific visa.
Most lenders require one for closing funds. Opening a US account early in the process removes a common last-minute obstacle.
Plan for 25–30% down on a foreign national loan. Some programs go higher depending on visa type and reserve documentation.
Yes. Investment purchases are common on foreign national programs. A DSCR loan may also be worth comparing for rental income properties.
Foreign credit reports work with many wholesale lenders. Some programs qualify you on assets alone, bypassing credit entirely.