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Mammoth Lakes draws international buyers year-round. Ski season, summer trails, and strong short-term rental demand make it a target for foreign investors.
Most foreign nationals can't use conventional financing. Non-QM programs exist specifically for buyers without a US credit history or Social Security number.
Not Required
US Credit Required
25–30%
Min Down Payment
12 Months
Reserves Required
30–45 Days
Typical Close Time
Foreign National Loans in Mammoth Lakes
Lenders want a valid passport and visa documentation. Some programs accept visa-exempt buyers from treaty countries.
Expect a down payment of 25–30%. Reserves matter — most lenders require 12 months of mortgage payments in a verifiable account.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Mammoth Lakes.
Mammoth Lakes draws international buyers year-round. Ski season, summer trails, and strong short-term rental demand make it a target for foreign investors.
Most foreign nationals can't use conventional financing. Non-QM programs exist specifically for buyers without a US credit history or Social Security number.
Lenders want a valid passport and visa documentation. Some programs accept visa-exempt buyers from treaty countries.
Foreign national loans are non-QM. Retail banks rarely touch them. Wholesale lenders specialize in these programs.
Rate premiums are real. Foreign nationals typically pay higher rates than domestic buyers. Rates vary by borrower profile and market conditions.
We work with 200+ wholesale lenders. A handful do foreign national programs well. Most don't do them at all.
The biggest deal-killers are thin reserves and unverifiable funds. Start gathering 6 months of foreign bank statements early.
If you have an ITIN, you may qualify for ITIN loans instead. Those programs can come with better terms than pure foreign national products.
DSCR loans are another path if you're buying a rental. Some foreign national buyers qualify using the property's projected income alone.
Mammoth Lakes is a resort town. Many properties are condos or townhomes inside HOA complexes. Some HOAs restrict short-term rentals.
Mono County sits in a high-elevation seismic zone. Insurance costs and lender overlays can add friction. Verify insurability before going under contract.
Some programs accept buyers from visa-exempt treaty countries. You'll still need a valid passport and full documentation of funds.
Plan for 25–30% down. Some lenders require more depending on your country of origin and visa type.
Many Mammoth Lakes properties allow short-term rentals, but check the HOA rules. Some complexes prohibit rentals under 30 days.
Not always. Lenders can verify foreign bank accounts, but statements must be translated and sourced clearly.
Expect 30–45 days. Document translation and international wire verification can add time. Start your file early.