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San Bruno sits minutes from SFO and the Peninsula tech corridor. Foreign nationals buy here for proximity to employment hubs and stable rental demand.
Non-QM lenders now accept crypto holdings for reserves and income verification. This matters in San Bruno where tech-connected foreign buyers often hold digital assets alongside traditional wealth.
Foreign National Loans in San Bruno
You need a valid passport and typically 30-40% down. Most lenders require US credit or alternative documentation like foreign credit reports and bank statements.
Income verification comes from tax returns from your home country or 12-24 months of bank statements. Some programs accept crypto holdings as qualifying assets as of February 2026.
Most conventional lenders won't touch foreign national deals. You need non-QM specialists with experience structuring these loans and understanding international documentation.
Rate structures vary significantly by down payment, property type, and documentation strength. Expect rates 1.5-3% above conventional conforming programs.
Foreign buyers often get quoted inflated rates because lenders assume they'll accept anything. Shop aggressively. I've seen 2-point spreads on identical borrower profiles.
San Bruno properties under $2M close faster than San Francisco deals. Fewer buyer contingencies and clearer title make the timeline predictable for international buyers.
ITIN loans require US tax history. Foreign national programs don't. If you haven't filed US taxes, this is your path.
DSCR loans work for pure investors who want rental income to qualify the property. Foreign national loans focus on your global assets and income regardless of property cashflow.
San Bruno's median condo prices stay below San Mateo County's luxury tier. This keeps foreign national buyers in the conforming jumbo range where more lenders compete.
Proximity to international employers like YouTube and Genentech means rental demand from visa holders. Foreign buyers often purchase as short-term investment before relocating themselves.
Yes, most lenders allow remote closing with notary services. Wire transfers and document notarization can happen from your home country.
Expect 30-40% down for most programs. Some lenders offer 25% down with stronger credit profiles and larger reserve deposits.
You'll need one to close and make payments. Most lenders require it opened 60 days before closing with verified fund sources.
Some non-QM lenders now accept verified crypto holdings for reserves and income. You'll need to liquidate crypto to US dollars for the actual down payment wire.
Rates run 1.5-3% above conventional loans. Your down payment size and documentation quality drive the specific rate you receive.
Single-family homes, condos, and 2-4 unit properties work. Warrantable condos close faster than new construction or properties needing HOA approval.