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Mariposa sits at the gateway to Yosemite. That location attracts international buyers looking for vacation properties and investment homes.
Foreign national loans make that possible. These are non-QM programs built for buyers without US citizenship or permanent residency.
Not Required
US Credit Required
30%+
Typical Down Payment
Non-QM
Loan Type
12 Months
Reserves Required
Foreign National Loans in Mariposa
You don't need a US credit history. Lenders accept foreign credit profiles, bank references, or asset documentation instead.
Most programs require 30% down or more. Reserves of 12 months are common. Lenders want to see strong 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 Mariposa.
Mariposa sits at the gateway to Yosemite. That location attracts international buyers looking for vacation properties and investment homes.
Foreign national loans make that possible. These are non-QM programs built for buyers without US citizenship or permanent residency.
You don't need a US credit history. Lenders accept foreign credit profiles, bank references, or asset documentation instead.
Big banks rarely touch foreign national loans. This is a wholesale and private lender product — you need a broker with the right connections.
SRK CAPITAL works with 200+ wholesale lenders. Several specialize in foreign national programs with competitive terms.
The biggest hurdle is income documentation. We've closed deals using foreign tax returns, CPA letters, and bank statements from overseas accounts.
Passport, visa status, and source-of-funds documentation all matter. Get these organized early — delays here kill closings.
ITIN loans are worth comparing if you live in the US and file taxes here. They often have lower down payment requirements.
DSCR loans fit international investors buying rentals. Income from the property qualifies the loan — your personal income doesn't matter.
Mariposa County is rural. Property types here include cabins, acreage, and mountain homes. Not every lender will approve these property types.
Vacation rental activity near Yosemite is strong. That can support a DSCR approach if the property cash flows.
Yes. Most programs accept B1/B2, E, L, and O visa holders. Your visa type affects which programs you qualify for.
Not always. Many lenders accept foreign bank statements for reserves and down payment verification.
Yes, but the property must meet lender guidelines. Rural cabins and non-warrantable properties need lender-by-lender approval.
Plan for at least 30% down. Some programs require more depending on property type and documentation.
Yes, through a DSCR structure. The property's rental income covers the debt — your personal income isn't the focus.