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Saratoga draws serious buyers from outside the US. Silicon Valley's tech wealth pulls executives, founders, and investors from Asia, Europe, and beyond.
Foreign national loans fill a real gap here. Standard US mortgage rules don't fit buyers without Social Security numbers or US credit history.
30-40%
Min Down Payment
12-24 months
Reserves Required
Not required
US Credit Score
Non-QM
Loan Type
Foreign National Loans in Saratoga
You don't need a green card or Social Security number. Lenders work with valid passports, visas, and foreign credit references instead.
Most programs require 30-40% down. Reserves matter a lot — expect lenders to want 12-24 months of payments sitting in verified accounts.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Saratoga.
Saratoga draws serious buyers from outside the US. Silicon Valley's tech wealth pulls executives, founders, and investors from Asia, Europe, and beyond.
Foreign national loans fill a real gap here. Standard US mortgage rules don't fit buyers without Social Security numbers or US credit history.
You don't need a green card or Social Security number. Lenders work with valid passports, visas, and foreign credit references instead.
Big retail banks mostly pass on foreign national deals. The programs that work live in the wholesale and portfolio lending space.
We shop across 200+ wholesale lenders to find who's actively pricing these loans. Appetite shifts — one lender hot on this product today may pull back tomorrow.
Documentation is where these deals die. Get your foreign bank statements translated and certified before you make an offer.
Currency conversion also matters. Lenders apply haircuts to foreign income and assets. What looks like strong reserves can shrink fast on paper.
If you have an ITIN number, an ITIN loan may price better than a foreign national program. ITIN loans treat you closer to a domestic borrower.
For investment properties, DSCR loans are another path. They qualify on rental income, not personal income — nationality matters less.
Saratoga price points push most deals into jumbo territory. Foreign national jumbo loans carry stricter reserve and down payment requirements.
Santa Clara County's competitive market means contingency-free offers are common. Foreign national buyers need pre-approval letters that hold up — know your program limits before you bid.
No. Lenders use foreign credit references or alternative documentation. Some programs require no credit score at all.
Yes. H-1B, L-1, and other visa holders qualify. Your visa type affects which programs are available.
Plan for 30-40% down. Higher down payments can offset thinner documentation or shorter US residency history.
Yes, but lenders apply conversion and verification requirements. Foreign pay stubs and bank statements must be translated and certified.
Yes. Rates run higher due to added lender risk. Rates vary by borrower profile and market conditions.
Yes. DSCR or foreign national programs both work for investment purchases. Loan structure depends on your goals.