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Mount Shasta draws international buyers. The mountain, the mystique, and the lifestyle pull people from Europe, Asia, and beyond.
Foreign national loans make ownership possible without a US credit file or Social Security number. These are non-QM programs — outside standard lending rules.
30–40%
Typical Down Payment
Not required
US Credit Score
45–60 days
Est. Close Time
Non-QM
Loan Type
Foreign National Loans in Mount Shasta
Most lenders want 30–40% down from foreign nationals. Higher down payments offset the lack of US credit history.
You'll need a valid passport, proof of foreign income or assets, and two years of bank statements from your home country.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Mount Shasta.
Mount Shasta draws international buyers. The mountain, the mystique, and the lifestyle pull people from Europe, Asia, and beyond.
Foreign national loans make ownership possible without a US credit file or Social Security number. These are non-QM programs — outside standard lending rules.
Most lenders want 30–40% down from foreign nationals. Higher down payments offset the lack of US credit history.
Most retail banks won't touch foreign national loans. This is a wholesale and private lender product.
SRK CAPITAL works with 200+ wholesale lenders. A handful specialize in foreign national programs. We know which ones close deals and which ones stall.
Foreign national files take longer to underwrite. Get your documents translated and notarized before you start. Delays almost always come from paperwork, not the property.
Some lenders require a US bank account at closing. Open one early. A few lenders also want a letter from your home country's bank confirming the funds.
ITIN loans are a close cousin. If you live in the US and have an ITIN number, that program may offer better terms than a foreign national loan.
DSCR loans work if you're buying as a rental investment. Approval is based on rental income, not your personal financials. That's worth exploring for Mount Shasta vacation rentals.
Mount Shasta is a rural market in Siskiyou County. Appraisals can be tricky with fewer comparable sales. Your lender needs to understand rural California, not just foreign national guidelines.
Short-term rental activity around Mount Shasta is real. If you plan to rent the property, tell your broker upfront. That changes which loan program fits best.
Yes. Foreign national loans don't require US credit history. Lenders use your foreign bank statements and asset documentation instead.
Plan for 30–40% down. Some lenders go higher based on your country of origin or income documentation.
Possibly, but a DSCR loan may be a better fit. Tell your broker your rental plans before choosing a program.
Budget 45–60 days. Document translation and international verification add time compared to standard loans.
Not always. Some lenders allow remote closings with a notary in your home country. Ask your broker early.
Eligibility varies by lender. Some countries are restricted. Your broker will know which lenders accept your country of origin.