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Hanford sits in California's Central Valley — agricultural land, lower price points, and steady rental demand.
Foreign nationals buying here often target investment property. Kings County offers entry-level prices that pencil out for cash-flow strategies.
30-40% typical
Down Payment
6-12 months
Reserves Required
Not required
US Credit Required
45-60 days
Est. Close Time
Non-QM
Loan Category
Foreign National Loans in Hanford
Foreign national loans don't require a Social Security number or US credit history. Lenders verify identity through a valid passport and visa documentation.
Most programs want 30-40% down. Reserves matter too — expect lenders to require 6-12 months of payments 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 Hanford.
Hanford sits in California's Central Valley — agricultural land, lower price points, and steady rental demand.
Foreign nationals buying here often target investment property. Kings County offers entry-level prices that pencil out for cash-flow strategies.
Foreign national loans don't require a Social Security number or US credit history. Lenders verify identity through a valid passport and visa documentation.
Big retail banks mostly won't touch foreign national loans. This is wholesale territory — specialty non-QM lenders who know the program.
We work with 200+ wholesale lenders at SRK CAPITAL. A handful specialize in foreign national programs. Rates vary by borrower profile and market conditions.
The biggest deal-killer I see: buyers show up without verified foreign bank statements. Lenders want 2-3 months of statements, translated if needed.
Visa type matters more than most buyers expect. Some lenders restrict certain visa categories. Know your visa status before you start shopping properties.
If you have an ITIN number, an ITIN loan may get you better terms than a foreign national program. Lower down payment requirements and more lender options.
For pure investment purchases, a DSCR loan could work if the property cash-flows. DSCR qualifies on rental income — no personal income docs needed.
Hanford's proximity to Lemoore Naval Air Station drives consistent rental demand. Foreign investors buying here often target military tenant pools.
Kings County has no foreign buyer restriction issues seen in some coastal markets. Title and escrow companies here are accustomed to out-of-state buyers.
Yes, but you'll need foreign bank statements showing reserves. Some lenders require funds transferred to a US account before closing.
Most work visas qualify, but lender policies differ. B1/B2 visitor visas are the most restricted. Confirm your visa type before applying.
Most programs require 30-40% down. Higher down payments sometimes unlock better rates. Rates vary by borrower profile and market conditions.
Yes. These loans fall outside conventional guidelines. They're underwritten manually by specialty lenders with different risk standards.
Some foreign national programs allow projected rental income. A DSCR loan structure may be a cleaner option for pure investment purchases.
Budget 45-60 days. Document verification across international banks takes longer than a standard domestic transaction.