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Fort Jones sits in Siskiyou County — rural, quiet, and far from California's crowded metro markets. That's exactly what draws some foreign buyers here.
Non-US citizens can purchase property in Fort Jones. You don't need a green card or Social Security number to qualify for the right loan program.
25-30%
Min Down Payment
Not Always
US Credit Required
Non-QM
Loan Type
Required at Closing
US Bank Account
Foreign National Loans in Fort Jones
Foreign National loans are Non-QM — meaning they fall outside standard Fannie Mae or Freddie Mac guidelines. Lenders set their own rules.
Most programs require a valid passport, visa documentation, and a larger down payment. Expect 25-30% down as the baseline for most lenders.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Fort Jones.
Fort Jones sits in Siskiyou County — rural, quiet, and far from California's crowded metro markets. That's exactly what draws some foreign buyers here.
Non-US citizens can purchase property in Fort Jones. You don't need a green card or Social Security number to qualify for the right loan program.
Foreign National loans are Non-QM — meaning they fall outside standard Fannie Mae or Freddie Mac guidelines. Lenders set their own rules.
Very few retail banks offer Foreign National loans. This is a specialty product. Most approvals come through wholesale lenders and portfolio programs.
SRK CAPITAL works with 200+ wholesale lenders. We know which ones actually close Foreign National deals — and which ones just say they do.
The biggest deal-killers here are documentation gaps. Wire transfer records, foreign bank statements, and visa status all get scrutinized hard.
Some lenders require a US bank account before closing. Set one up early. It's a step most borrowers miss until it's too late.
ITIN Loans are a close alternative for buyers with a US taxpayer ID but no Social Security number. They often have softer requirements than Foreign National programs.
DSCR Loans work if you're buying a rental property — income from the property qualifies you, not your personal income. That sidesteps a lot of foreign income documentation issues.
Fort Jones is a small town in the Scott Valley. Properties here tend to be rural — land, farmhouses, recreational parcels. Not every lender will lend on all property types.
Appraisals in rural Siskiyou County can be tricky. Comparable sales are sparse. A lender comfortable with rural Non-QM deals is essential.
Most lenders require a valid visa or documentation of legal entry. Program eligibility depends on visa type and lender guidelines.
Not always. Some lenders accept international credit reports. Others rely on bank statements and asset reserves instead.
Most programs start at 25-30% down. Rates vary by borrower profile and market conditions.
Some will, but not all. Rural and agricultural properties face tighter scrutiny. Lender selection matters here.
Passport, visa, foreign bank statements, and proof of assets are standard. Translated documents are often required.
No. ITIN loans require a US taxpayer ID. Foreign National loans are for buyers without any US tax identification.