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Santa Clara sits in the heart of Silicon Valley. It draws engineers, executives, and entrepreneurs from across the globe.
Many of these buyers hold foreign passports or visas. Foreign National loans exist specifically for them.
30–40%
Typical Down Payment
Not Required
US Credit Required
Non-QM
Loan Category
30–45 Days
Est. Closing Time
Foreign National Loans in Santa Clara
These are non-QM loans. Lenders set their own rules, and guidelines vary significantly across our 200+ wholesale partners.
Most lenders want 30-40% down. Expect full documentation of foreign income, assets, and a valid passport or visa.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Santa Clara.
Santa Clara sits in the heart of Silicon Valley. It draws engineers, executives, and entrepreneurs from across the globe.
Many of these buyers hold foreign passports or visas. Foreign National loans exist specifically for them.
These are non-QM loans. Lenders set their own rules, and guidelines vary significantly across our 200+ wholesale partners.
Big retail banks rarely touch these loans. Wholesale lenders who specialize in non-QM are where these deals get done.
As a broker, we run your profile across lenders who actively price foreign national deals — not ones who technically offer them.
The biggest deal-killer we see: buyers who wire funds from overseas without a paper trail. Document every transfer before you apply.
Loan-to-value limits are strict here. Bring a larger down payment and your file moves faster with more lenders available to you.
If you have a US Individual Taxpayer ID number, an ITIN loan may offer better terms. That program has more lender competition.
For investors buying rental property, a DSCR loan can qualify you on rental income alone — no personal income docs needed.
Santa Clara home prices are among the highest in the country. A 30-40% down payment here is a serious capital commitment.
The tech industry brings a steady flow of international buyers on H-1B, L-1, and O-1 visas. These deals are common — and winnable.
Yes. H-1B visa holders are eligible. Some lenders also offer standard conventional loans to H-1B borrowers, so compare your options.
No. Most foreign national programs allow lenders to use international credit reports or alternative documentation instead.
Plan for 30-40% down. Higher down payments open up more lenders and better pricing. Rates vary by borrower profile and market conditions.
Yes. Both primary residences and investment properties are eligible. Investment purchases may require additional reserves.
Expect 30-45 days minimum. International income verification and fund sourcing documentation take extra time to process.
No. ITIN loans require a US Individual Taxpayer ID number. Foreign National loans do not — they are separate programs with different guidelines.