Loading
Loading
Tiburon attracts serious buyers from abroad. The waterfront views, Marin County schools, and proximity to San Francisco make it a top target for foreign nationals.
These buyers need a loan built for their situation. Standard Fannie Mae loans require US credit history and tax returns — foreign nationals rarely have either.
25-30%
Min Down Payment
45-60 days
Est. Close Time
Non-QM / Portfolio
Loan Type
Not always
US Credit Required?
Foreign National Loans in Tiburon
Most lenders want a valid passport, visa documentation, and a foreign credit reference or bank letter. Some programs skip US credit entirely and qualify on assets.
Down payments typically start at 25-30%. The stronger your reserves, the more lender options you have. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Tiburon.
Tiburon attracts serious buyers from abroad. The waterfront views, Marin County schools, and proximity to San Francisco make it a top target for foreign nationals.
These buyers need a loan built for their situation. Standard Fannie Mae loans require US credit history and tax returns — foreign nationals rarely have either.
Most lenders want a valid passport, visa documentation, and a foreign credit reference or bank letter. Some programs skip US credit entirely and qualify on assets.
Foreign national loans are non-QM products. Retail banks rarely offer them. You need a broker with access to portfolio lenders who specialize in this niche.
We work with 200+ wholesale lenders, including several who focus on foreign national and non-resident buyer programs. That matters in a market like Tiburon.
The biggest mistake foreign buyers make is waiting until escrow opens to find financing. These loans take longer to underwrite. Start 60-90 days early.
Visa type matters more than most buyers expect. B-1/B-2 visa holders face tighter restrictions than E-2 or L-1 visa holders. Know your options before you make an offer.
ITIN loans are a close cousin — designed for non-residents with a US tax ID number. If you file US taxes, ITIN programs may offer better terms than a pure foreign national program.
DSCR loans work if you plan to rent the property. They qualify on rental income, not your personal income — no foreign tax returns needed at all.
Tiburon sits in one of the most expensive zip codes in Marin County. Purchase prices here routinely push into jumbo territory. Your foreign national loan must support that price range.
Many lenders cap foreign national loans below Tiburon's typical price points. We pre-screen lenders specifically for max loan amounts before sending your file anywhere.
Yes, B-1/B-2 visa holders can purchase property. Financing options are more limited and down payment requirements are typically higher.
Most lenders require a US bank account for closing funds. Some accept foreign accounts with a certified translation and letter of origin.
Loan limits vary widely by lender. In Tiburon, you need a lender who handles high-balance foreign national loans — not all of them do.
Plan for 45-60 days minimum. Document verification from foreign banks and governments adds time to underwriting.
If you're buying as an investment, a DSCR loan may be a better fit. It qualifies on projected rent, not your personal income.