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Fairfax sits in one of California's most desirable counties. Non-US citizens buying here need a loan built for their situation.
Foreign national loans are non-QM programs. That means lenders evaluate them outside standard US income rules.
No
US Credit Score Needed
30-40%
Typical Down Payment
12+ months
Reserve Requirement
45-60 days
Est. Close Time
Non-QM
Loan Type
Foreign National Loans in Fairfax
You don't need a US credit score or Social Security number. Lenders use foreign credit history and asset documentation instead.
Most lenders require 30-40% down. Reserve requirements are higher than conventional loans — plan for 12+ months of payments in liquid assets.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Fairfax.
Fairfax sits in one of California's most desirable counties. Non-US citizens buying here need a loan built for their situation.
Foreign national loans are non-QM programs. That means lenders evaluate them outside standard US income rules.
You don't need a US credit score or Social Security number. Lenders use foreign credit history and asset documentation instead.
Most banks won't touch foreign national loans. This is a wholesale specialty product — not something you find at a retail bank.
SRK CAPITAL works with 200+ wholesale lenders. Several specialize in foreign national programs with competitive terms.
Documentation is where these deals fall apart. Get your foreign bank statements, passport, and visa documentation organized before you start.
Currency conversion matters. Lenders want to see stable income in a recognized currency — some are stricter than others about which countries they accept.
If you have an ITIN, you may qualify for ITIN loans with better terms. ITIN programs are designed for US tax filers without SSNs.
DSCR loans work if you're buying a rental. They qualify based on the property's rent income — not your personal income at all.
Fairfax attracts buyers who want a small-town feel inside Marin County. It's a different buyer profile than San Rafael or Novato.
Marin County property values are high. That works in your favor — foreign national lenders like strong collateral markets.
Most lenders require a valid visa or proof of legal entry. Requirements vary by lender and country of origin.
Yes. Foreign national loans qualify you on foreign income and assets. US employment is not required.
Expect 30-40% down at minimum. Some lenders go higher depending on your country and documentation.
Yes. A DSCR loan may be a better fit for rentals. We can compare both programs for your situation.
These loans take longer than conventional — typically 45-60 days. Document collection is the biggest variable.
Yes. Lenders use foreign credit reports or alternative documentation. No US credit score is needed.