Question 1

Can I get a mortgage in Portola Valley without U.S. citizenship?

Accepted Answer

Yes. Foreign national loan programs allow non-citizens to purchase California real estate with valid passport documentation, higher down payments, and international income verification.

Question 2

What down payment do foreign national loans require?

Accepted Answer

Most lenders require 25-40% down for foreign national purchases. Larger down payments often secure better interest rates and terms.

Question 3

How do lenders verify my foreign income and credit?

Accepted Answer

Lenders accept foreign bank statements, employment letters, tax documents, and credit reports from your home country, typically requiring certified English translations.

Question 4

Can I use a foreign national loan for a primary residence?

Accepted Answer

Most programs restrict foreign national financing to second homes or investment properties. Primary residence designation typically requires U.S. residency status.

Question 5

How long does foreign national loan approval take in San Mateo County?

Accepted Answer

Expect 45-60 days for foreign national transactions. International documentation verification, translation requirements, and fund transfers extend timelines beyond conventional loans.

Foreign National Loans in Portola Valley: Purchase Premium California Real Estate Without U.S. Citizenship