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Madera sits in California's Central Valley — agricultural country with lower price points than coastal markets. That makes it an accessible entry point for foreign nationals buying US property.
Foreign national loans are non-QM products. That means lenders set their own rules, and those rules vary widely across our 200+ wholesale partners.
Not Required
US Credit Required
25% – 40%
Typical Down Payment
Non-QM
Loan Type
30–45 Days
Est. Close Time
You do not need a US credit history to qualify. Most lenders accept foreign credit reports or alternative credit references from your home country.
Expect a larger down payment — typically 25% to 40%. Lenders offset the added risk by requiring more skin in the game upfront.
Most banks won't touch foreign national loans. This is a wholesale and private lender product — you won't find it at your local branch.
Rate premiums are real on these loans. As of April 2026, expect rates meaningfully above conventional. Rates vary by borrower profile and market conditions.
The biggest mistake foreign nationals make is assuming all lenders treat this the same. One lender might require a US bank account. Another won't. Guidelines differ that much.
We run these deals through lenders who specialize in foreign national files. That matters. A generalist lender will slow the process or decline outright.
If you have an ITIN, you may have more options. ITIN loans are designed for borrowers with a US tax ID — guidelines are often more flexible than pure foreign national products.
DSCR loans are another path if you're buying as a rental property. Cash flow from the property drives approval, not your personal income documentation.
Madera County has a significant agricultural and immigrant workforce. That creates real demand for foreign national and ITIN products in this market.
Properties here often appraise more conservatively than coastal markets. That can work in your favor — lower loan amounts mean less lender exposure and sometimes easier approval.
Yes. Foreign national loans don't require a Social Security number. A valid passport and visa are the standard starting point.
Most lenders accept B1/B2 tourist visas, along with E, H, L, and O visa holders. Each lender's accepted visa list differs.
Plan for 25% to 40% down. Some lenders go lower for stronger credit profiles, but that's the typical range for foreign nationals.
Yes. Lenders document foreign income through employer letters, foreign tax returns, or bank statements. Translation may be required.
Yes. Many foreign nationals buy US property as investments. DSCR or foreign national loan programs both work for rental purchases.
Expect 30–45 days, sometimes longer. Document collection from overseas adds time — start gathering paperwork early.
Foreign National Loans in Madera