Loading
Loading
San Juan Bautista attracts international buyers looking for California real estate without the crowds of Silicon Valley. Foreign national loans make that possible without a Social Security number or US credit history.
These non-QM programs use global income documentation and larger down payments instead of traditional US employment verification. Most lenders require 30-40% down for properties in smaller markets like San Benito County.
Foreign National Loans in San Juan Bautista
You need valid passport identification and proof of foreign income through tax returns or employment letters. Most lenders require reserves covering 6-12 months of mortgage payments.
Credit is evaluated through international credit reports or alternative documentation. The property must be your primary documentation anchor since US credit scores don't apply.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in San Juan Bautista.
San Juan Bautista attracts international buyers looking for California real estate without the crowds of Silicon Valley. Foreign national loans make that possible without a Social Security number or US credit history.
These non-QM programs use global income documentation and larger down payments instead of traditional US employment verification. Most lenders require 30-40% down for properties in smaller markets like San Benito County.
You need valid passport identification and proof of foreign income through tax returns or employment letters. Most lenders require reserves covering 6-12 months of mortgage payments.
About 15-20 wholesale lenders in our network handle foreign national deals. Each has different appetite for small-town California properties versus major metro areas.
Some lenders cap foreign national loans at specific loan amounts or require the property be in higher-population counties. San Benito County sits on the edge of that threshold with some lenders.
I send foreign national applications to lenders who don't penalize borrowers for choosing smaller California towns. Properties near historic San Juan Bautista actually appeal to certain portfolio lenders.
Expect rates 1.5-2.5% above conventional conforming loans. The pricing reflects non-QM risk, not your creditworthiness as a borrower.
ITIN loans work if you have US tax history but no Social Security number. Foreign national loans skip that requirement entirely — you don't need any US tax footprint.
DSCR loans make sense for investment properties when rental income covers the mortgage. Foreign national programs work for any property type including second homes.
San Juan Bautista's small size means some lenders classify it as rural, which can trigger stricter property requirements. Know that going in.
International buyers often appreciate the California mission history and proximity to Monterey County destinations. Your lender needs to understand why foreign nationals target this specific market.
Yes, remote closings work with proper notarization and Power of Attorney arrangements. Most lenders allow this for foreign national borrowers.
Tax returns from your home country, employer letters, and bank statements showing regular deposits. Lenders accept documents in English or with certified translations.
No — some lenders restrict foreign national loans to major metro counties. We match you with lenders who approve smaller California markets.
Expect 30-40% down for foreign national loans versus 20% for conventional programs. The premium reflects lender risk on international borrowers.
Yes, though expect 35-45% down for investment properties. Primary residences and second homes require slightly less.