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Belvedere is one of the most exclusive waterfront enclaves in California. Non-US buyers target it specifically — the island setting and Marin County prestige make it a global acquisition.
Foreign national loans exist for exactly this buyer. No US credit history required. No Social Security number needed.
30–40%
Typical Down Payment
Not Required
US Credit Required
45–60 Days
Est. Close Timeline
Non-QM
Loan Type
Varies by profile
Rate Pricing
Foreign National Loans in Belvedere
You need a valid foreign passport and visa documentation. Most lenders want to see 12-24 months of foreign bank statements.
Down payments typically run 30-40%. Lenders price the higher deposit against the absence of US credit data.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Belvedere.
Belvedere is one of the most exclusive waterfront enclaves in California. Non-US buyers target it specifically — the island setting and Marin County prestige make it a global acquisition.
Foreign national loans exist for exactly this buyer. No US credit history required. No Social Security number needed.
You need a valid foreign passport and visa documentation. Most lenders want to see 12-24 months of foreign bank statements.
Retail banks almost never touch foreign national loans. This is squarely a wholesale and private lender product.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several of them run dedicated foreign national programs — this isn't a workaround, it's a real product with real guidelines.
The biggest delay I see on these files is documentation translation. Get certified translations of your bank statements early — it saves weeks.
Some lenders also require a US bank account opened before closing. That's a condition that catches buyers off guard. Plan for it.
ITIN loans are the closest alternative. They're designed for non-permanent residents who have a US tax ID. Down payments are often lower — around 20-25%.
Asset depletion loans can also work if you hold substantial liquid assets. Lenders calculate income from your portfolio rather than pay stubs.
Belvedere properties move fast and attract cash offers. A foreign national loan needs to be fully pre-approved before you make an offer — conditional approvals won't hold here.
Marin County title and escrow companies handle international transactions regularly. But wire transfers from foreign accounts add 3-5 business days to closing timelines. Build that in.
Yes. Foreign national loans don't require US credit history. Lenders use foreign bank statements and asset documentation instead.
Most non-immigrant visas qualify, including B1/B2, E, L, and H visas. Requirements vary by lender — we match you to the right one.
Plan for 30-40% down. Belvedere price points are high, so reserve cash well beyond the down payment for closing costs.
Typically 45-60 days. Document translation and international wire transfers add time — start the process early.
Yes. A DSCR loan may actually be a better fit if rental income is the goal. We can run both scenarios side by side.
Many lenders require one. Open a US account as early as possible — it prevents last-minute closing delays.