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Ukiah sits at the heart of Mendocino County wine country. Foreign buyers are drawn to its vineyards, rural land, and relative affordability compared to coastal California.
Foreign national loans are non-QM products — meaning they fall outside standard lending rules. Lenders price risk differently here, so rates vary significantly by borrower profile and market conditions.
30%+
Min Down Payment
12+ months
Cash Reserves Required
Not required
US Credit Score
45-60 days
Typical Close Time
Foreign National Loans in Ukiah
You do not need a US credit history or Social Security number. Most lenders accept a foreign passport and visa documentation instead.
Expect a 30% down payment minimum. Some lenders require 35-40% depending on your country of origin and property type.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Ukiah.
Ukiah sits at the heart of Mendocino County wine country. Foreign buyers are drawn to its vineyards, rural land, and relative affordability compared to coastal California.
Foreign national loans are non-QM products — meaning they fall outside standard lending rules. Lenders price risk differently here, so rates vary significantly by borrower profile and market conditions.
You do not need a US credit history or Social Security number. Most lenders accept a foreign passport and visa documentation instead.
Most retail banks won't touch foreign national loans. This is a wholesale and portfolio lender product almost exclusively.
At SRK CAPITAL, we work with 200+ wholesale lenders. Only a fraction offer foreign national programs — we know exactly which ones do.
The biggest mistake foreign buyers make is waiting too long to start the loan process. Documentation from overseas takes time to gather and verify.
Wire transfer history and foreign bank statements are your income proof. Two years of statements is a common requirement. Get them translated and certified early.
If you have an ITIN number, an ITIN loan may offer better terms than a foreign national program. The two are different products with different lender pools.
DSCR loans are another option if you're buying an investment property. Some lenders will use rental income to qualify you regardless of citizenship.
Mendocino County properties often include agricultural zoning or water rights. These complicate appraisals and some lenders will decline outright.
Vineyard or mixed-use land purchases require lenders experienced in rural California. Not every foreign national lender covers this property type.
Yes, but lender options are limited. Agricultural and mixed-use properties require specialty underwriters — most standard foreign national programs won't cover them.
Not always. Many lenders accept foreign bank statements. They typically require certified translations and 12-24 months of account history.
Accepted visa types vary by lender. B1, B2, and E-2 visas are common. Some programs require no US visa at all for pure foreign national products.
Plan for 45-60 days minimum. Overseas document collection and verification adds time that domestic loans don't require.
Yes. Many foreign national buyers purchase as investment or vacation rental properties. A DSCR loan may actually be a better fit in that case.
No. Foreign national programs are built for buyers with no US credit file. Lenders use alternative documentation to assess creditworthiness instead.