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Cotati sits in Sonoma County — wine country real estate that draws international buyers every year. Foreign nationals can own here without U.S. citizenship.
These are non-QM loans. They follow different rules than conventional programs. Documentation and down payment requirements reflect that.
30–40%
Min Down Payment
No
U.S. Credit Required
Non-QM
Loan Type
30–45 Days
Est. Close Time
Most lenders want 30–40% down from foreign nationals. Higher equity protects them when there's no U.S. credit history to evaluate.
You'll need a valid passport, visa documentation, and proof of foreign income or assets. No U.S. Social Security number required.
Big retail banks rarely do foreign national loans. Most shy away from the compliance complexity. Portfolio lenders and private money sources fill this gap.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in foreign national programs. We match your profile to the right one.
The biggest deal-killer I see is disorganized foreign income docs. Get your bank statements translated and formatted before you apply.
Some lenders require a U.S. bank account at closing. Open one early. It sounds minor — it holds up closings when ignored.
If you have an ITIN number, an ITIN loan may offer better terms than a foreign national product. The eligibility bar is lower.
Investors buying rental property in Cotati should look at DSCR loans too. Those qualify based on rental income — not your personal financials at all.
Cotati is a smaller Sonoma County city. Property types here are mostly residential. Foreign buyers typically target single-family homes or small multifamily.
Sonoma County title companies handle international transactions regularly. That helps. Work with one that has experience closing for foreign national borrowers.
No. Foreign national loans are designed for non-residents. You can purchase Cotati property while living abroad.
Accepted visa types vary by lender. Many accept B1/B2, E, L, and O visas. We match you to lenders that fit your specific status.
Some lenders require a U.S. account for closing funds. Others accept international wire transfers. Confirm this early in the process.
No. Most foreign national programs skip the U.S. credit check entirely. Down payment and asset documentation carry the most weight.
Single-family homes and small multifamily properties are the most common. Condos may qualify depending on the lender and HOA profile.
Foreign national loans typically take 30–45 days. Document translation and lender review add time. Start early and stay organized.
Foreign National Loans in Cotati