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Monte Sereno sits in the heart of Silicon Valley. It draws high-net-worth buyers from across the globe.
Foreign nationals buying here face a specific problem. US lenders don't recognize overseas income the same way.
30–40%
Min Down Payment
12+ months
Reserves Required
Not required
US Credit Score
30–45 days
Est. Close Time
Non-QM
Loan Type
Foreign National Loans in Monte Sereno
You don't need a US credit score to qualify. Lenders use foreign credit reports or alternative documentation instead.
Most programs require 30–40% down. Reserves matter a lot — expect lenders to verify 12+ months of liquid assets.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Monte Sereno.
Monte Sereno sits in the heart of Silicon Valley. It draws high-net-worth buyers from across the globe.
Foreign nationals buying here face a specific problem. US lenders don't recognize overseas income the same way.
You don't need a US credit score to qualify. Lenders use foreign credit reports or alternative documentation instead.
Big banks mostly won't touch these loans. Foreign national programs live in the non-QM wholesale market.
We work with 200+ wholesale lenders. Several specialize in foreign national deals at this price point.
The documentation package is where deals fall apart. Get your foreign bank statements translated early.
Some lenders require a US bank account at closing. Open one before you start shopping properties.
ITIN loans are similar but built for residents with tax history. Foreign national loans target buyers living abroad.
DSCR loans work if you're buying a rental. They qualify on the property's income, not yours.
Monte Sereno is one of the most exclusive zip codes in Santa Clara County. Properties here require jumbo-level financing.
Foreign national jumbo loans carry stricter reserve requirements. Plan for a larger documentation burden than a standard purchase.
Yes. Foreign national lenders accept overseas credit reports or use asset-based qualification instead. No US score required.
Eligibility depends on the lender. B-1, B-2, and non-immigrant visas are often accepted. Some lenders also work with buyers who hold no US visa.
Most foreign national programs in this price range require 30–40% down. Higher down payments often unlock better rates. Rates vary by borrower profile and market conditions.
No. Foreign national loans are designed for buyers with no US tax history. Income documentation comes from overseas sources.
Yes. DSCR loans are often a better fit for rental purchases. They qualify based on the property's rent income, not your personal income.
Expect 30–45 days minimum. Document translation and international verification add time. Start your paperwork early.