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Foreign National Loans in San Rafael
What down payment do I need as a foreign national?
Foreign national loans require a minimum 20 percent down payment. On a $1,332,023 home, that's roughly $266,000.
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San Rafael's median home price sits at $1,332,023, up from last year. Properties here move in about 40 days, reflecting steady buyer interest in Marin County.
The county's median household income of $142,785 supports purchases across San Rafael's range. Foreign national borrowers can qualify on assets and income from abroad.
600
Minimum credit score
50.49%
Maximum debt-to-income
80%
Maximum loan-to-value
17–21 days
Typical closing
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Foreign national loans require a minimum 600 representative credit score for a primary residence. Your debt-to-income ratio cannot exceed 50.49 percent, measured against all monthly obligations.
A combined loan-to-value ratio of 80 percent or less applies to primary residences. Loan amounts range from $100,000 to $1,500,000, and the property must be a single-family home, duplex, triplex, or fourplex.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in San Rafael.
San Rafael's median home price sits at $1,332,023, up from last year. Properties here move in about 40 days, reflecting steady buyer interest in Marin County.
The county's median household income of $142,785 supports purchases across San Rafael's range. Foreign national borrowers can qualify on assets and income from abroad.
Foreign national loans require a minimum 600 representative credit score for a primary residence. Your debt-to-income ratio cannot exceed 50.49 percent, measured against all monthly obligations.
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.
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Foreign national loans are specialized products that most retail banks do not carry. Brokers like SRK CAPITAL access wholesale lenders who write these programs because they have the infrastructure to verify foreign assets and income.
Underwriting focuses on the strength of your down payment and foreign financial documentation. SRK CAPITAL closes foreign national loans in 17 to 21 days, or 10 days when expedited.
04
Foreign national loans make sense in San Rafael when you have substantial assets abroad but limited US credit history. The 20 percent down requirement is real, but it opens the door to borrowers who would not qualify for conventional financing.
At $1,332,023 median price, a foreign national buyer puts down roughly $266,000 and finances $1,066,000. That payment sits comfortably against Marin's median household income of $142,785.
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Conventional loans demand a US credit score and documented US income, making them impossible for many foreign nationals. Foreign national loans skip both requirements and instead rely on your down payment and foreign financial statements.
The trade-off is straightforward: you bring more cash to the table, but you avoid the years it takes to build US credit. For buyers with strong assets abroad, that's a real advantage.
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San Rafael sits at the heart of Marin County's outdoor culture. A privately owned mountaintop just opened to the public for the first time in decades. It adds new hiking access and appeals to lifestyle-focused buyers.
Point Reyes Station, minutes from San Rafael, is seeing major investment in its historic character. A new seafood restaurant and preservation efforts signal that the region's charm is attracting serious capital.
FAQ
Foreign national loans require a minimum 20 percent down payment. On a $1,332,023 home, that's roughly $266,000.
Yes. Foreign national loans are built on foreign income and assets. You'll need to document them through your bank statements and tax returns from your home country.
Foreign national loans qualify on your down payment and foreign financial documentation. A minimum 600 representative credit score applies if you have US credit history.
Foreign national loans cap at $1,500,000 for a primary residence. The minimum is $100,000.
SRK CAPITAL closes foreign national loans in 17 to 21 days. Expedited files close in 10 days.
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.