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Campbell sits in the heart of Silicon Valley. That draws international buyers — tech workers, investors, and executives relocating from abroad.
Foreign national loans exist for buyers without a US credit history or Social Security number. These are non-QM programs, meaning different rules apply.
25–40%
Min Down Payment
Not Required
US Credit Score
Non-QM / Portfolio
Loan Type
30–45 Days
Est. Close Time
Foreign National Loans in Campbell
Most lenders require a valid passport and visa. Work authorization is not always required — tourist visa holders can sometimes qualify.
Expect a larger down payment. Most programs require 25–40% down. Reserves matter more here than on conventional loans.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Campbell.
Campbell sits in the heart of Silicon Valley. That draws international buyers — tech workers, investors, and executives relocating from abroad.
Foreign national loans exist for buyers without a US credit history or Social Security number. These are non-QM programs, meaning different rules apply.
Most lenders require a valid passport and visa. Work authorization is not always required — tourist visa holders can sometimes qualify.
Big banks rarely touch foreign national loans. You need portfolio lenders — those who hold loans in-house rather than sell them.
SRK CAPITAL works with 200+ wholesale lenders. Several specialize in foreign national programs. We shop your file across them to find the right fit.
The biggest deal-killer I see: buyers show up without 12 months of foreign bank statements. Get those translated and ready early.
Currency matters too. Some lenders want assets in USD already. Others accept foreign accounts. Know which lender you're targeting before you move funds.
If you have an ITIN number, an ITIN loan may offer better terms. Those programs are more standardized and have more lender competition.
If you're buying as an investment, a DSCR loan sidesteps income documentation entirely. The property's rent covers qualification — no personal income needed.
Campbell's proximity to Apple, Google, and NVIDIA campuses makes it a target for international tech hires. Many arrive mid-year on H-1B or L-1 visas.
Santa Clara County home prices run high. A 30% down payment on a Campbell property is a serious capital commitment. Verify your liquidity before you start.
Some lenders allow it. Not all programs require work authorization — ask specifically about B-1/B-2 visa eligibility before applying.
No. Foreign national programs substitute overseas bank records and asset documentation for US credit history.
Plan for 25–40% down. Higher down payments also get better rates on these programs.
Some lenders allow entity purchases. Requirements vary significantly — structure matters for both approval and title.
Expect 30–45 days minimum. Document translation and overseas verification add time — start early.
On a foreign national loan, typically no. If rental income is your angle, a DSCR loan fits better.