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Gonzales sits in Monterey County's Salinas Valley — agricultural country with steady international ties and a real working population.
Foreign nationals buying here often work in agribusiness or have family roots in the region. This loan program is built for exactly that buyer.
No
US Credit Required
30%+
Typical Down Payment
12 months
Reserves Required
Non-QM
Loan Type
Varies by profile
Rate Type
Foreign National Loans in Gonzales
You don't need a Social Security number or US credit history. Lenders use foreign credit reports, bank statements, or asset documentation instead.
Most lenders want 30% down or more. Reserves matter a lot — expect to show 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 Gonzales.
Gonzales sits in Monterey County's Salinas Valley — agricultural country with steady international ties and a real working population.
Foreign nationals buying here often work in agribusiness or have family roots in the region. This loan program is built for exactly that buyer.
You don't need a Social Security number or US credit history. Lenders use foreign credit reports, bank statements, or asset documentation instead.
Big retail banks rarely offer foreign national loans. This is a non-QM product — meaning it falls outside standard government guidelines.
Wholesale lenders who specialize in non-QM are where these deals get done. That's exactly the channel SRK CAPITAL works through.
The biggest deal-killer I see: buyers who can't document their foreign assets in a way US lenders accept. Start gathering bank records early.
Some lenders require a US bank account opened before closing. Others accept wire instructions from foreign accounts. Know the difference before you choose a lender.
If you have an ITIN, you may qualify for ITIN loans with slightly better terms than a pure foreign national program.
DSCR loans are another option if you're buying as a rental. The property's income qualifies the loan — not your personal income at all.
Gonzales has a strong agricultural economy with ties to Mexico and other countries. Foreign national buyers here often have consistent offshore income.
Monterey County properties can appraise conservatively in smaller markets like Gonzales. Lenders may be cautious — your down payment cushion matters more here.
Yes. Lenders accept foreign credit reports or alternative documentation. No US credit history is required.
Most foreign national programs require at least 30% down. Some lenders go higher depending on property type.
Some lenders accept documented foreign rental income. Requirements vary — not every lender handles it the same way.
Not always. Some lenders allow power of attorney or remote notarization. Confirm this before you choose your lender.
No. ITIN loans are for borrowers with a US tax ID. Foreign national loans require no US tax history at all.
Most programs accept B1, B2, and other non-immigrant visas. Your visa type affects which lenders will approve you.