Question 1

Can I buy a Napa vineyard as a foreign national?

Accepted Answer

Some lenders finance vineyard estates for foreign buyers, but most exclude working vineyards with commercial wine production. Look for residential properties with small personal vineyards instead.

Question 2

Do I need a U.S. visa to get a foreign national loan?

Accepted Answer

No visa required. You need a valid passport and proof of foreign income. Tourist visas work fine — you don't need residency to own U.S. real estate.

Question 3

What interest rates should I expect in Napa?

Accepted Answer

As of February 2026, foreign national rates run 1-2% above conventional mortgages. Rates vary by borrower profile and market conditions, with larger down payments earning better pricing.

Question 4

Can I rent out my Napa property?

Accepted Answer

Yes, most lenders allow rental income. Some foreign buyers use DSCR loans instead when rental income covers the mortgage, which can offer better terms than standard foreign national programs.

Question 5

How long does underwriting take for foreign buyers?

Accepted Answer

Expect 30-45 days from application to closing. International document verification and translation add time compared to standard U.S. loans, so start early on offers.

Foreign National Loans in Napa — Your Path to Wine Country Real Estate