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San Francisco draws buyers from around the world. Tech executives, investors, and families from abroad all target this market.
Foreign national loans make that possible. These are non-QM programs — meaning they fall outside standard US lending rules.
30% typical
Min Down Payment
12+ months
Reserves Required
Not required
US Credit Score
Non-QM
Loan Type
Foreign National Loans in San Francisco
You don't need a US Social Security number to qualify. Most lenders accept a passport and visa documentation instead.
Expect a larger down payment — typically 30% or more. Reserves matter a lot. Lenders want to see 12+ months of 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 San Francisco.
San Francisco draws buyers from around the world. Tech executives, investors, and families from abroad all target this market.
Foreign national loans make that possible. These are non-QM programs — meaning they fall outside standard US lending rules.
You don't need a US Social Security number to qualify. Most lenders accept a passport and visa documentation instead.
Most retail banks won't touch foreign national deals. This loan exists almost entirely in the wholesale and private lending space.
That's exactly where we operate. SRK CAPITAL works with 200+ wholesale lenders, and a meaningful number run foreign national programs.
The biggest deal-killer is documentation. Lenders need asset verification, and foreign bank statements require certified translation.
Visa type also matters. Some lenders restrict certain visa classes. Get your documentation package together before you make an offer.
ITIN loans are a close cousin — but those require a US taxpayer ID. Foreign national programs don't have that requirement.
DSCR loans are another option if you're buying investment property. Qualification is based on rental income, not personal financials.
San Francisco is a global city. Foreign national buyers are common here, especially in luxury condos and tech-corridor properties.
High purchase prices mean large loan amounts. Foreign national jumbo options exist, but reserve requirements get stricter above $2M.
Yes. Foreign national programs are built for this. Lenders use assets, down payment size, and visa status instead.
It depends on the lender. B1/B2, E, L, and O visas are common. Some lenders also approve buyers with no US visa at all.
Most foreign national programs require 30% down. At San Francisco price levels, that's a significant cash requirement.
Yes, many programs accept foreign income. You'll need documentation — often translated and verified by a third party.
Yes. Expect rates meaningfully above conventional pricing. Rates vary by borrower profile and market conditions.
Yes. DSCR loans are often a better fit for rentals. Qualification is based on the property's income, not yours.