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Seaside sits inside Monterey County — one of California's most desirable coastal markets. Non-US buyers have noticed.
Foreign nationals can own property here without a green card or US credit history. These loans make that possible.
25–30%
Min Down Payment
12+ months
Reserves Required
Not always
US Credit Required
30–45 days
Typical Close Time
Non-QM
Loan Category
Foreign National Loans in Seaside
Most lenders want a valid passport, visa documentation, and proof of foreign income or assets. No Social Security number needed.
Expect a down payment of 25–30%. Reserves of 12+ months of payments are commonly required.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Seaside.
Seaside sits inside Monterey County — one of California's most desirable coastal markets. Non-US buyers have noticed.
Foreign nationals can own property here without a green card or US credit history. These loans make that possible.
Most lenders want a valid passport, visa documentation, and proof of foreign income or assets. No Social Security number needed.
Retail banks rarely touch foreign national loans. This is non-QM territory — specialty wholesale lenders only.
At SRK CAPITAL, we work with 200+ wholesale lenders. A handful specialize in foreign national programs. We know which ones close.
The biggest mistake foreign national buyers make: assuming all lenders treat visa types the same. They don't.
B-1, B-2, and tourist visas face stricter terms than E, L, or O visas. Bring your full visa history upfront.
If you have an ITIN, an ITIN loan may offer better terms than a foreign national program. The two overlap but aren't identical.
DSCR loans are another option for investment properties — income is based on the property's rent, not your foreign earnings.
Seaside is steps from Monterey Bay. International buyers often target it for vacation rentals or second homes.
Monterey County's coastal appeal keeps demand steady. That matters for resale and rental income projections lenders review.
Some lenders allow foreign bank statements. A US account helps but isn't always required.
Most work visas qualify. Tourist and B-2 visas face tighter restrictions and higher down payment requirements.
Some lenders allow projected rental income. A DSCR loan may be a cleaner fit for investment purchases.
Expect 30–45 days. Document verification from foreign sources adds time — start gathering paperwork early.
Yes. Rates are higher due to added risk. Rates vary by borrower profile and market conditions.
Yes. All lenders require a US-standard appraisal regardless of the borrower's country of origin.