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Buellton sits in the Santa Ynez Valley — wine country with real appeal to international buyers. Non-US citizens buy here for vacation use, rental income, and portfolio diversification.
Foreign national loans are non-QM products. That means no US credit history or Social Security number required to qualify.
30–40%
Min Down Payment
No
US Credit Required
Non-QM
Loan Category
6–12 months
Reserves Required
Foreign National Loans in Buellton
Most lenders want 30–40% down from foreign national borrowers. The higher down payment offsets the lack of US credit verification.
You'll need a valid passport, visa documentation, and proof of foreign income. Some lenders also require 6–12 months of reserves in a US bank account.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Buellton.
Buellton sits in the Santa Ynez Valley — wine country with real appeal to international buyers. Non-US citizens buy here for vacation use, rental income, and portfolio diversification.
Foreign national loans are non-QM products. That means no US credit history or Social Security number required to qualify.
Most lenders want 30–40% down from foreign national borrowers. The higher down payment offsets the lack of US credit verification.
Big retail banks rarely touch these loans. Foreign national lending lives in the non-QM wholesale space — which is exactly where we operate.
We work with 200+ wholesale lenders. That matters here because foreign national guidelines vary wildly from one lender to the next.
The biggest deal-killers we see: no US bank account, visa type mismatches, and income docs that don't translate cleanly. Get these sorted before you shop.
Some lenders will lend on a tourist visa. Others won't. Knowing which lender fits your visa type saves weeks of wasted time.
If you have an ITIN, you may qualify for an ITIN loan instead. Those programs sometimes offer better rates and lower down payments than foreign national products.
DSCR loans are another angle if you're buying a rental. Some DSCR lenders accept foreign nationals — and they qualify you on rental income, not personal income.
Buellton draws international buyers tied to the wine industry and Santa Barbara tourism. Properties here often function as short-term rentals — and lenders know it.
Santa Barbara County has no foreign buyer restrictions. But local property managers and tax advisors should be part of your team before closing.
Yes. Foreign national loans don't require a SSN. You'll need a valid passport and visa documentation instead.
It depends on the lender. Some accept tourist visas. Others require B1, B2, or investor visas. We match you to the right lender.
Yes. Some lenders allow it. A DSCR loan may also work and qualify you on the rental income instead of your personal income.
Most lenders require 30–40% down. Higher down payments offset the absence of US credit history. Rates vary by borrower profile and market conditions.
Not always required, but it helps significantly. Many lenders want to see US-held reserves before they approve your file.
ITIN loans are for borrowers who file US taxes using an Individual Taxpayer ID. Foreign national loans don't require any US tax history at all.