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Mill Valley attracts serious international buyers. The town's proximity to San Francisco, top-rated schools, and open space make it a target for global wealth.
Foreign national loans exist specifically for this buyer profile. No US credit history, no Social Security number — these programs work around both.
30% typical
Min Down Payment
No
US Credit Required
No
SSN Required
45–60 days
Est. Close Time
Non-QM
Loan Type
Foreign National Loans in Mill Valley
Most programs require a valid passport and visa documentation. Some lenders accept buyers from visa-exempt countries with passport only.
Down payments typically start at 30%. Lenders want more skin in the game when they can't pull a US credit report.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Mill Valley.
Mill Valley attracts serious international buyers. The town's proximity to San Francisco, top-rated schools, and open space make it a target for global wealth.
Foreign national loans exist specifically for this buyer profile. No US credit history, no Social Security number — these programs work around both.
Most programs require a valid passport and visa documentation. Some lenders accept buyers from visa-exempt countries with passport only.
Most retail banks won't touch foreign national deals. This is a specialty product — maybe 20 to 30 lenders nationally do it well.
We work with 200+ wholesale lenders at SRK CAPITAL. That matters here because foreign national guidelines vary dramatically between lenders.
The biggest deal-killer we see is wire transfer documentation. Lenders need a clear paper trail for your down payment funds — plan for this early.
Some lenders restrict eligible countries. If your client holds a passport from a flagged nation, that narrows the options fast. Know before you apply.
If you have an ITIN, you may qualify for ITIN loans instead. Those programs sometimes allow lower down payments than foreign national products.
DSCR loans are another route if you're buying as a rental investment. The property's income does the qualifying — your foreign income doesn't factor in.
Mill Valley properties regularly trade above $2M. At 30% down, you're looking at a $600K+ down payment on many listings — plan your liquidity accordingly.
Marin County has no foreign buyer restrictions. But escrow and title companies here are experienced with international transactions, which helps close deals smoothly.
Yes. Foreign national loans are built for this. Lenders use foreign credit references, bank statements, or asset documentation instead.
B1, B2, and most non-immigrant visas qualify with the right lender. Visa-exempt nationals often qualify with passport only.
Expect 30% minimum on most foreign national programs. On a $2M property, that's $600K down before closing costs.
Yes. A DSCR loan may actually be a better fit. The property's rent qualifies the loan — your foreign income isn't the issue.
Plan for 45 to 60 days. International fund verification and lender due diligence add time compared to standard loans.
Most lenders require US account access for closing and servicing. Opening one early in the process prevents last-minute delays.