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American Canyon sits at the gateway to Napa Valley. That location attracts international buyers who want wine country access without Napa City prices.
Foreign national loans are non-QM products. That means they operate outside standard Fannie Mae and Freddie Mac guidelines.
Foreign credit OK
Min Credit Required
30% or more
Typical Down Payment
12 months typical
Reserves Required
45–60 days
Estimated Close Time
Foreign National Loans in American Canyon
No US credit history required. Lenders use foreign credit reports or alternative documentation instead.
Most lenders want 30% down or more. Reserve requirements are strict — expect 12 months of mortgage payments in 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 American Canyon.
American Canyon sits at the gateway to Napa Valley. That location attracts international buyers who want wine country access without Napa City prices.
Foreign national loans are non-QM products. That means they operate outside standard Fannie Mae and Freddie Mac guidelines.
No US credit history required. Lenders use foreign credit reports or alternative documentation instead.
Retail banks rarely do these loans. Foreign national programs live almost entirely in the wholesale and portfolio lending space.
We work with 200+ wholesale lenders. That reach matters here — foreign national guidelines vary sharply from lender to lender.
The biggest deal-killer is documentation. Get your foreign bank statements translated and certified before you apply.
Visa type matters. B-1, B-2, and tourist visa holders can still qualify — but some lenders restrict certain visa classes entirely.
If you have a US ITIN number, an ITIN loan may offer better terms. Those programs have more lender competition and slightly lower rates.
DSCR loans are another option if you plan to rent the property. Income from the rental — not your personal income — drives approval.
American Canyon is in Napa County, which carries wine country prestige. International buyers often target it as a second home or vacation property.
Property taxes and HOA fees here are real costs. Foreign buyers must budget for these — US tax treaty rules vary by home country.
Some lenders allow remote closings. But most require you to appear in person or use a power of attorney.
Not always. Many lenders accept foreign bank statements. A US account helps but is rarely a hard requirement.
Most non-immigrant visas qualify, including B-1 and B-2. Lender rules vary, so visa type must be confirmed upfront.
Yes. Investment and second-home purchases are both eligible. DSCR loans are also worth considering for rental properties.
Expect 45 to 60 days minimum. Document translation and foreign asset verification slow the process down.