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Hollister sits in San Benito County — a quieter alternative to the Bay Area with real pricing advantages for foreign buyers.
Foreign nationals buying U.S. property don't qualify for standard loans. These are non-QM programs built specifically for that gap.
30%
Min Down Payment
Not Required
U.S. Credit Required
Non-QM
Loan Category
30-45 Days
Typical Close Time
No
SSN Required
Foreign National Loans in Hollister
You don't need a Social Security number or U.S. tax returns. Lenders verify income and assets using foreign documents.
Most lenders want 30% down from foreign nationals. Credit from your home country can sometimes substitute for a U.S. file.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Hollister.
Hollister sits in San Benito County — a quieter alternative to the Bay Area with real pricing advantages for foreign buyers.
Foreign nationals buying U.S. property don't qualify for standard loans. These are non-QM programs built specifically for that gap.
You don't need a Social Security number or U.S. tax returns. Lenders verify income and assets using foreign documents.
Big banks won't touch these loans. Foreign national programs live in the non-QM wholesale space — portfolio lenders with their own guidelines.
We work with 200+ wholesale lenders. Only a fraction offer foreign national programs. We know exactly which ones do.
The biggest deal-killer is documentation. Get your foreign bank statements translated and certified before you start shopping.
Some lenders require a U.S. bank account opened before closing. Set that up early. It avoids last-minute scrambles.
If you have a U.S. ITIN number, an ITIN loan often prices better than a straight foreign national program.
DSCR loans are another route if you're buying investment property. They underwrite the rental income — not you personally.
Hollister's market draws buyers priced out of Santa Clara and Santa Cruz counties. Foreign buyers find more room to negotiate here.
San Benito County has a smaller appraiser pool. Budget extra time for appraisals — especially on non-QM closings, which already run longer.
Yes. Foreign national lenders underwrite using international credit or asset verification. No U.S. credit file is required.
Accepted visas vary by lender. B-1, B-2, and non-resident buyers are common. Some lenders exclude certain visa categories entirely.
Most foreign national programs require 30% down. Some lenders go higher depending on property type and visa status.
Yes. DSCR loans are often a better fit for rentals. They qualify on property cash flow, not personal income.
Rates are higher than conventional loans. Rates vary by borrower profile and market conditions — shopping lenders matters.
Non-QM loans typically close in 30-45 days. Rural appraisal timelines in San Benito County can add days to that.