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Foreign National Loans in Dixon
Dixon attracts foreign investors looking for stable agricultural investment and proximity to the Bay Area without Bay Area prices.
Foreign nationals buy here for rental income, family access to California schools, and long-term appreciation in the Sacramento corridor.
Most lenders won't touch non-citizen deals. We work with specialized lenders who fund these loans regularly.
Expect 30-40% down payments and rates 1-2% above conventional. That's the cost of buying US property without US status.
You need a valid passport, proof of foreign income, and significant cash reserves. No US credit score required.
Lenders verify income through tax returns from your home country, employment letters, or business financials.
Down payment must be sourced and seasoned. Expect scrutiny on large transfers from foreign accounts.
Properties can be investment rentals or second homes. No primary residence classification for foreign nationals.
Only specialized non-QM lenders offer foreign national programs. Your local bank won't help.
Each lender has different country restrictions. Some won't lend to citizens from specific nations.
Portfolio lenders price based on country risk, property type, and down payment size. Rates vary wildly.
We compare programs across lenders who actually close these deals. Most brokers don't have these relationships.
Foreign nationals overpay when they don't shop lenders. One lender quotes 8%, another quotes 6.5% for the same deal.
Put down 40% instead of 30% if you can. The rate drop often pays for itself in two years.
Set up your US bank account early. Wire transfers from foreign banks delay closings when done last minute.
Dixon works well for foreign buyers who want rental properties near UC Davis or commuter tenants heading to the Bay Area.
If you have an ITIN, that loan costs less than foreign national programs. Apply for an ITIN before shopping loans.
Asset depletion loans work if you have significant US assets but no foreign income documentation.
DSCR loans price better for investment properties when rent covers the mortgage payment.
Foreign national loans make sense when you have no US tax presence and need fast approval without SSN verification.
Dixon's agricultural economy attracts foreign investors from farming regions worldwide. Property values stay stable.
Rental market serves UC Davis overflow and commuters. Foreign buyers prefer turnkey properties near downtown.
Property taxes and insurance cost less than Bay Area markets. Cash flow works better here.
Title companies in Solano County handle foreign transactions regularly. They know how to structure vesting for non-residents.
Yes. Lenders use foreign credit reports or simply don't require credit scores. Your down payment and income documentation matter more.
Expect 30-40% down. The larger your down payment, the better your rate and the more lenders compete for your deal.
Plan for 45-60 days. International document verification and foreign bank wire transfers add time to standard timelines.
Yes. You'll need a US account for closing costs and ongoing mortgage payments. Set this up before starting your purchase.
Yes. Foreign national loans work for investment properties. In fact, you cannot use these loans for primary residences.
Mortgage financing for independent contractors and freelancers who earn 1099 income instead of traditional W-2 wages.
Mortgage programs that allow borrowers to qualify based on liquid assets rather than traditional employment income.
Non-QM loans that use 12 to 24 months of bank statements to verify income for self-employed borrowers.
Short-term financing that bridges the gap between buying a new property and selling an existing one.
Debt Service Coverage Ratio loans that qualify investors based on a rental property's income rather than personal income.
Asset-based short-term loans primarily used by real estate investors for property acquisition and renovation projects.
Mortgages that allow borrowers to pay only the interest for an initial period, resulting in lower monthly payments upfront.
Financing solutions tailored for real estate investors purchasing rental properties, fix-and-flip projects, or investment portfolios.
Home loans for borrowers who have an Individual Taxpayer Identification Number instead of a Social Security number.
Adjustable rate mortgages held in a lender's portfolio rather than sold on the secondary market, offering more flexible terms.
Non-QM mortgages that use a CPA-prepared profit and loss statement to verify income for self-employed borrowers.
Home loans with interest rates that adjust periodically based on market conditions after an initial fixed-rate period.
Specialized mortgage programs designed to support homeownership in underserved communities with flexible qualification criteria.
Mortgages that meet the guidelines and loan limits set by Fannie Mae and Freddie Mac for secondary market purchase.
Financing for building a new home or making major renovations, typically converting to a permanent mortgage upon completion.
Traditional mortgage financing not backed by a government agency, offering flexible terms and competitive rates for qualified borrowers.
Innovative loan products that leverage projected home equity growth to provide favorable financing terms.
Government-insured mortgages from the Federal Housing Administration with low down payments and flexible credit requirements.
A revolving line of credit secured by your home equity that allows you to borrow funds as needed during a draw period.
A fixed-rate second mortgage that provides a lump sum of cash by borrowing against the equity built in your home.
Mortgages that exceed the conforming loan limits set by the FHFA, designed for financing high-value luxury properties.
Loans for homeowners aged 62 and older that convert home equity into cash without requiring monthly mortgage payments.
Government-backed zero down payment mortgages for eligible rural and suburban homebuyers who meet income limits.
Government-guaranteed mortgages for eligible veterans, active-duty service members, and surviving spouses with zero down payment.