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Greenfield sits in Monterey County's Salinas Valley — agricultural heartland with strong ties to Mexico and Latin America.
Many residents and workers here are foreign nationals. Owning property is a realistic goal, not a distant one.
25–30%
Min Down Payment
12+ months
Reserves Required
Not required
US Credit Score
Non-QM
Loan Type
H-1B, L-1, O-1 & more
Visa Types
Foreign National Loans in Greenfield
Foreign national loans don't require a US Social Security number or US credit history. Lenders use foreign credit reports or asset documentation instead.
Most programs require 25–30% down. Reserves matter more than income here — expect lenders to want 12+ months of 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 Greenfield.
Greenfield sits in Monterey County's Salinas Valley — agricultural heartland with strong ties to Mexico and Latin America.
Many residents and workers here are foreign nationals. Owning property is a realistic goal, not a distant one.
Foreign national loans don't require a US Social Security number or US credit history. Lenders use foreign credit reports or asset documentation instead.
Most banks won't touch foreign national loans. This is non-QM territory — non-traditional lending outside standard guidelines.
SRK CAPITAL works with 200+ wholesale lenders. Several specialize in foreign national programs with competitive terms.
Visa type is the first thing I check. B-1/B-2 visitor visas face the toughest restrictions. H-1B and L-1 holders have more options.
Foreign income documentation is where deals stall. Get your last 2 years of foreign tax returns translated and certified before you apply.
If you have an ITIN number, an ITIN loan may give you better terms than a foreign national program. More lenders compete for that business.
DSCR loans are another path if you're buying a rental property in Greenfield. Income from the property — not yours — qualifies the loan.
Greenfield's economy runs on agriculture. Many buyers here are seasonal workers or farm managers with income that fluctuates year to year.
Property prices in the Salinas Valley tend to run lower than coastal Monterey County. That helps — a smaller loan is easier to qualify for with a large down payment.
Yes. Foreign national loans accept foreign credit reports or use assets to qualify. You don't need US credit history.
Most work visas qualify — H-1B, L-1, O-1, and others. Tourist visas face tighter restrictions. Your visa type shapes your options.
Plan for 25–30% down minimum. Some lenders require more depending on your visa status and documentation.
Yes, but it must be documented. Translated and certified tax returns are standard. Some lenders also accept bank statements.
Greenfield has steady rental demand from agricultural workers. A DSCR loan may be worth exploring for investment purchases here.
Not always. Some lenders allow the full process remotely. You'll likely need to sign closing documents in person or via notary.