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Dunsmuir sits along the Sacramento River in Siskiyou County. It draws buyers from outside the US who want a foothold in Northern California's mountain corridor.
Foreign nationals can purchase here without a US credit history or Social Security number. The right loan program makes that possible.
30-40%
Min Down Payment
Not Required
US Credit Score
Non-QM
Loan Category
30-45 Days
Est. Close Time
Foreign National Loans in Dunsmuir
Most foreign national programs require 30-40% down. Lenders offset the risk of lending to overseas borrowers with a larger equity cushion.
You'll need a valid passport, visa documentation, and proof of foreign income or assets. US tax returns are not required.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Dunsmuir.
Dunsmuir sits along the Sacramento River in Siskiyou County. It draws buyers from outside the US who want a foothold in Northern California's mountain corridor.
Foreign nationals can purchase here without a US credit history or Social Security number. The right loan program makes that possible.
Most foreign national programs require 30-40% down. Lenders offset the risk of lending to overseas borrowers with a larger equity cushion.
Most retail banks won't touch foreign national loans. These programs live almost entirely in the wholesale and private lending space.
SRK CAPITAL works with 200+ wholesale lenders. We find the ones actively pricing foreign national deals in California right now.
The biggest deal-killer we see: buyers who wait too long to verify their visa type. Not all visas qualify. B-1 and B-2 tourist visas are usually a hard stop.
Buyers using foreign bank statements need certified translations and sometimes a CPA letter. Get that paperwork moving early — it adds weeks if you don't.
ITIN loans are a close cousin to foreign national loans. If you have an ITIN number and US income history, that program often gets you a better rate.
DSCR loans are another option if the Dunsmuir property will generate rental income. Qualification is based on the property's cash flow, not your personal income.
Dunsmuir is a small market. Property types here skew toward single-family homes and cabins. Not every lender will approve non-warrantable or rural properties.
Siskiyou County's lower price points work in a foreign buyer's favor. A 35% down payment is more manageable here than in coastal California metros.
Yes. Foreign national loans don't require US credit history. Lenders use alternative documentation like foreign bank statements and asset verification instead.
Work and investor visas typically qualify. Tourist visas like B-1 and B-2 usually do not. Your visa type must be verified before we can match you with a program.
Expect 30-40% down on most foreign national programs. Larger down payments often unlock better rates. Rates vary by borrower profile and market conditions.
Yes, and if rental income is the primary repayment strategy, a DSCR loan may fit better. We'll compare both programs based on your situation.
No. Most programs accept foreign bank accounts. Statements typically need certified English translations and may require a CPA letter confirming the source of funds.
Plan for 30-45 days minimum. Document translation and international wire verification add time. Starting paperwork early is the single best way to stay on schedule.