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Mountain View draws global talent — engineers, founders, and executives relocating for Silicon Valley roles. Many want to own property here, not just rent.
Foreign national loans exist specifically for this buyer. No US credit history required. No Social Security number needed.
No
US Credit Required
25–40%
Min Down Payment
45–60 Days
Est. Close Time
Non-QM
Loan Type
6–12 Months
Reserves Needed
Foreign National Loans in Mountain View
Lenders typically want a valid passport, a visa, and proof of foreign income or assets. Some programs accept a foreign credit report.
Down payments run higher than conventional loans — expect 25% to 40% minimum depending on the lender and property type.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Mountain View.
Mountain View draws global talent — engineers, founders, and executives relocating for Silicon Valley roles. Many want to own property here, not just rent.
Foreign national loans exist specifically for this buyer. No US credit history required. No Social Security number needed.
Lenders typically want a valid passport, a visa, and proof of foreign income or assets. Some programs accept a foreign credit report.
Most retail banks won't touch foreign national loans. This is a specialty product that lives almost entirely in the wholesale and private lending space.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in foreign national programs with competitive terms.
The biggest deal-killer I see is buyers waiting too long to start the loan process. Foreign national loans take longer to underwrite. Start early.
Having six to twelve months of reserves in a US or foreign bank account helps significantly. Underwriters want to see liquidity.
If you have an ITIN, you may qualify for ITIN loans instead. Those programs often carry lower down payments and better rates.
DSCR loans are another path if you're buying investment property. Income qualification is based on rent, not personal earnings.
Mountain View home prices are high. That means larger loan amounts — and lenders scrutinize big foreign national loans more carefully.
Santa Clara County has no shortage of international buyers. But inventory is tight, so a fully prepared loan file wins in competitive offers.
No. Most foreign national programs don't require a US credit score. Lenders use your passport, visa, and foreign financial records instead.
Accepted visa types vary by lender. H-1B, L-1, and E-2 visas are commonly approved. Some lenders accept tourist visa holders for investment purchases.
Expect at least 25% down, often 30–40% for larger loan amounts. Higher down payments improve your approval odds significantly.
Yes. DSCR loans are often a better fit for rental purchases. Qualification is based on property cash flow, not your personal income.
Plan for 45–60 days. Document gathering from overseas adds time. Starting early is critical in Mountain View's competitive market.
Not always. Many lenders accept foreign bank statements for reserves. A US account does make fund transfers and closing smoother.