Loading
Loading
Foreign National Loans in Corte Madera
Can I buy in Corte Madera without a US credit score?
Yes. Foreign national programs don't require US credit history. Lenders use alternative documentation like foreign bank statements instead.
01
Corte Madera sits in Marin County — one of the most desirable addresses in Northern California. Foreign buyers are drawn here for exactly that reason.
This is not a starter-home market. Buyers without US credit history need lenders who understand foreign national deals, not ones who treat them as exceptions.
30–40%
Min Down Payment
No
US Credit Required
12+ months
Cash Reserves
17-21 days
Est. Close Time
Non-QM
Loan Type
02
No Social Security number required. Lenders use your foreign passport and visa documentation to establish identity.
Expect a minimum 30% down payment. Some lenders require 35-40% depending on your country of origin and visa type.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Corte Madera.
Corte Madera sits in Marin County — one of the most desirable addresses in Northern California. Foreign buyers are drawn here for exactly that reason.
This is not a starter-home market. Buyers without US credit history need lenders who understand foreign national deals, not ones who treat them as exceptions.
No Social Security number required. Lenders use your foreign passport and visa documentation to establish identity.
Rate check
Tell us the price range, down payment and credit range you are working with. We compare every lender we work with and show you the options side by side.
03
Foreign national loans live in the non-QM space. Only a fraction of lenders offer them — and guidelines vary significantly between those that do.
We work with 200+ wholesale lenders. That matters here. Rate and term differences across foreign national programs can be substantial. Rates vary by borrower profile and market conditions.
04
The biggest mistake foreign national buyers make is starting with their home-country bank's US branch. Those programs are restrictive and expensive.
Documentation is the make-or-break factor. Get your foreign bank statements translated and ready. Lenders want 3-6 months, sometimes more.
05
If you have an ITIN number, an ITIN loan may give you better rates than a foreign national program. It's worth checking both.
DSCR loans are another option if you're buying as an investment. Income from the property — not your personal income — drives qualification.
06
Corte Madera properties move fast. Foreign buyers need pre-approval letters that sellers and agents recognize as credible — not conditional or vague.
Marin County title and escrow companies handle international transactions regularly. That helps. Having an experienced broker keeps the process on track.
FAQ
Yes. Foreign national programs don't require US credit history. Lenders use alternative documentation like foreign bank statements instead.
Most investor and tourist visas qualify. B-1, B-2, and many others work. Your visa type may affect which lenders will approve you.
Plan for at least 30%. Some lenders require 35-40% depending on your profile and country of residence.
Yes. Foreign national programs accept foreign income documentation. Bank statements are the most common method lenders use.
Both work. Some foreign national programs allow rentals. If income from the property is your primary qualifier, a DSCR loan may fit better.
Expect 17-21 days. Document translation and international wire verification add time. Start the process early.
Programs for first-time buyers that allow lower down payments and more forgiving credit and income rules.
Explore refinancing options to lower your rate, tap equity, or switch loan terms.
SRK CAPITAL in Marin County
Our team of licensed mortgage brokers works Marin County every week. Tell us where you are in the process and we will map out the loan, the timeline and the money you need at closing, with no obligation.
What working with us looks like
Licensed mortgage brokers
You talk with a broker, not a call center, from the first question to closing day.
17-21 day typical close
Most purchase loans close in 17-21 days once your paperwork is in.
Every county in California
We work across the state, including Marin County, so local limits and rules are already familiar.
Financing solutions for rental properties, fix-and-flip projects, and real estate portfolios.
Mortgage programs with alternative income documentation for business owners and freelancers.
Federally insured or guaranteed programs (FHA, VA, USDA) that let lenders accept lower credit scores and smaller down payments.
Traditional mortgage options meeting standard lending guidelines with various term structures.
Alternative lending programs for borrowers who need flexible documentation or unique loan structures.
This page is for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates, terms, and program availability can change and vary by borrower and property. Consult a licensed mortgage professional for guidance on your scenario.