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Montague sits in Siskiyou County — rural, affordable, and off most investors' radar. That's exactly why some foreign nationals are looking here.
Non-US citizens can legally buy property in California. The challenge is financing it without a US credit history or Social Security number.
25-40%
Min Down Payment
Not always
US Credit Required
30-45+ days
Est. Close Time
Non-QM
Loan Type
Foreign National Loans in Montague
Most foreign national loans require 25-40% down. Lenders want skin in the game when they can't verify a US credit file.
You'll need a valid passport and visa. Some lenders also require an international credit report or 12 months of bank statements.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Montague.
Montague sits in Siskiyou County — rural, affordable, and off most investors' radar. That's exactly why some foreign nationals are looking here.
Non-US citizens can legally buy property in California. The challenge is financing it without a US credit history or Social Security number.
Most foreign national loans require 25-40% down. Lenders want skin in the game when they can't verify a US credit file.
Most retail banks won't touch foreign national loans. This is a wholesale and private lender product almost exclusively.
SRK CAPITAL works with 200+ wholesale lenders. We know which ones actually fund rural California deals for foreign nationals.
Visa type matters more than most borrowers expect. B-1, B-2, and tourist visas face stricter terms than E-2 or L-1 visa holders.
Rates run higher than conventional — expect a meaningful premium. Rates vary by borrower profile and market conditions.
If you have an ITIN, an ITIN loan may get you better terms than a foreign national product. Worth checking before you commit.
DSCR loans are another option if you're buying as a rental. Income verification isn't required — the property's rent covers qualification.
Montague is a small agricultural community. Appraisals here can be tricky — rural properties with acreage require experienced appraisers.
Siskiyou County properties sometimes have well and septic systems. Lenders may require inspections before funding.
Yes. There's no law preventing non-US citizens from owning California real estate. Financing is the challenge, not ownership.
Most work visas qualify. Tourist and B-visa holders may face tighter terms or higher down payment requirements depending on the lender.
Plan for 25-40% down. Rural properties in Siskiyou County may push lenders toward the higher end of that range.
Not always. Many lenders accept foreign bank statements. Having a US account helps but isn't always required.
Foreign national loans are manually underwritten. Expect 30-45 days minimum, longer if appraisal or title issues arise.
No. ITIN loans target residents without SSNs. Foreign national loans serve buyers living outside the US — different product, different lenders.