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Stockton sits in the Central Valley, one of California's most affordable metro areas. Non-US citizens buying here get more property for their dollar than in coastal cities.
Foreign national loans are non-QM products. That means lenders set their own rules — and terms vary widely across our 200+ wholesale partners.
30–40%
Min Down Payment
Not always
US Credit Required
45–60 days
Est. Close Time
Non-QM
Loan Type
Foreign National Loans in Stockton
Most foreign national programs require 30–40% down. The larger down payment replaces the credit history lenders can't verify from overseas.
You'll need a valid passport, visa documentation, and proof of income from your home country. Some lenders also require a reference letter from a foreign bank.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Stockton.
Stockton sits in the Central Valley, one of California's most affordable metro areas. Non-US citizens buying here get more property for their dollar than in coastal cities.
Foreign national loans are non-QM products. That means lenders set their own rules — and terms vary widely across our 200+ wholesale partners.
Most foreign national programs require 30–40% down. The larger down payment replaces the credit history lenders can't verify from overseas.
Most banks won't touch foreign national loans. Portfolio lenders and private wholesale sources are where these deals actually get done.
Rates run higher than conventional — expect a meaningful premium for the added lender risk. Rates vary by borrower profile and market conditions.
The biggest deal-killer is documentation gaps. Get your income and asset paperwork translated and notarized before you start the application.
We run these through lenders who specialize in foreign national files. A general retail bank will waste your time and often decline at the finish line.
If you have an ITIN number, an ITIN loan may offer better terms than a full foreign national program. It's worth checking before assuming which path fits.
Investors buying rental property in Stockton should also look at DSCR loans. Some lenders allow foreign nationals to qualify on rental income alone.
Stockton has a large international community, particularly buyers with ties to Southeast Asia and Latin America. Demand for foreign national financing is real here.
San Joaquin County properties are priced well below LA or Bay Area. That makes the 30–40% down requirement more manageable for international buyers.
Some programs allow B1/B2 visa holders to buy. Requirements depend entirely on the lender — this is one area where programs differ significantly.
Not always, but most lenders want to see assets held somewhere verifiable. A foreign bank reference letter often satisfies this requirement.
Yes — through a DSCR loan, some lenders qualify foreign nationals on the property's rental income. Your personal income becomes less relevant.
Plan for 45–60 days minimum. Document translation and overseas verification add time that domestic loans don't have.
Both options exist. Many foreign national programs offer 5/1 or 7/1 ARMs alongside 30-year fixed options. Rates vary by borrower profile and market conditions.