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Calistoga sits at the northern tip of Napa Valley. International buyers have long targeted it for wine country estate purchases and vacation rentals.
Foreign national loans are non-QM products — meaning they fall outside standard agency guidelines. Lenders set their own rules, and terms vary widely across the market.
30–40%
Min Down Payment
Not Required
US Credit Score
Non-QM
Loan Type
Fixed or ARM
Rate Type
Foreign National Loans in Calistoga
No US credit history required. Lenders typically accept foreign credit reports or bank references in lieu of a FICO score.
Most programs require 30–40% down. Larger down payments signal lower risk to lenders when income verification is limited.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Calistoga.
Calistoga sits at the northern tip of Napa Valley. International buyers have long targeted it for wine country estate purchases and vacation rentals.
Foreign national loans are non-QM products — meaning they fall outside standard agency guidelines. Lenders set their own rules, and terms vary widely across the market.
No US credit history required. Lenders typically accept foreign credit reports or bank references in lieu of a FICO score.
Very few retail banks offer foreign national loans. This is a specialty product — most deals get done through wholesale lenders and non-QM shops.
We work with 200+ wholesale lenders at SRK CAPITAL. That reach matters here, because foreign national programs differ dramatically from lender to lender.
The biggest mistake foreign national buyers make is going to a single bank. One denial doesn't mean no deal — it means wrong lender.
Calistoga properties often function as vacation rentals. Some lenders will underwrite using projected rental income, which helps buyers who don't want to document foreign earnings.
ITIN loans are the closest alternative. They're built for non-citizens with US tax history — if your buyer has filed US taxes, ITIN may be a better fit.
DSCR loans are another option for investment purchases. If the property cash flows, the lender qualifies the property — not the borrower's income or nationality.
Calistoga is a resort and spa destination. Properties here often command premium prices and generate strong short-term rental income — both factors lenders weigh.
Napa County has strict zoning on short-term rentals. Buyers should confirm rental permits before assuming rental income will count in underwriting.
Yes. Foreign national loans are built for this. Most lenders accept foreign bank references or a credit report from your home country.
Most non-immigrant visas qualify. Lenders vary — some require a valid visa, others just need a passport and proof of foreign residence.
Many lenders allow entity purchases. It's common among international buyers who want ownership structure and liability protection.
Expect 30–40% down for most foreign national programs. Higher down payments often unlock better rates and fewer documentation demands.
Some lenders will count projected short-term rental income. Napa County STR permit rules affect whether that income holds up in underwriting.
ITIN loans require a US taxpayer ID and US tax history. Foreign national loans don't — they're built for buyers with no US financial footprint.