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Manteca sits in San Joaquin County, drawing buyers from outside the US who want California property at prices lower than the Bay Area.
Foreign national loans are non-QM — meaning they fall outside standard lending rules. Lenders have more flexibility, but requirements are stricter.
30% typical
Min Down Payment
No
US Credit Required
Non-QM
Loan Type
30–45 days
Est. Close Time
Foreign National Loans in Manteca
You don't need a US credit history to qualify. Lenders use foreign credit reports, asset statements, or rental income instead.
Most lenders require 30% down or more. Expect to document the source of funds — wire transfers from abroad get scrutinized.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Manteca.
Manteca sits in San Joaquin County, drawing buyers from outside the US who want California property at prices lower than the Bay Area.
Foreign national loans are non-QM — meaning they fall outside standard lending rules. Lenders have more flexibility, but requirements are stricter.
You don't need a US credit history to qualify. Lenders use foreign credit reports, asset statements, or rental income instead.
Most big banks won't touch foreign national loans. This is a non-QM product, and you need a broker with access to specialty wholesale lenders.
Rates run higher than conventional loans — that's the tradeoff for flexible income and credit documentation. Rates vary by borrower profile and market conditions.
The biggest deal-killer I see: buyers show up without a valid visa or passport copy. Have your identification documents ready on day one.
Some lenders also want a US bank account opened before closing. Set that up early — it can take weeks for foreign nationals.
If you have an ITIN number, an ITIN loan may get you a better rate than a foreign national product. Worth checking before you commit.
Investors buying Manteca rentals should also look at DSCR loans. If the property cash-flows, you may qualify on rental income alone.
Manteca attracts buyers from overseas who have family in the Central Valley. The area has strong rental demand, which helps investor buyers.
San Joaquin County properties are generally more affordable than coastal California. That works in your favor when lenders cap loan amounts on foreign national programs.
No. Foreign national loans don't require an SSN. You'll use your passport and foreign financial documents instead.
Yes. Investment properties are common for this loan type. A DSCR loan may also work if the property generates rental income.
Most foreign national programs require 30% or more. A few lenders go as low as 25% for strong borrower profiles.
Yes. Lenders accept foreign income, but you'll need documentation — pay stubs, bank statements, or employer letters translated to English.
Accepted visa types vary by lender. B-1, B-2, and other non-immigrant visas are often eligible. We match you to the right lender for your visa.
Expect 30 to 45 days. Document collection and wire verification add time — start gathering paperwork before you make an offer.