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Petaluma draws international buyers for good reason. Wine country access, strong rental demand, and proximity to San Francisco make it a serious investment target.
Foreign national loans fill a real gap here. Standard lenders won't touch non-US borrowers — these programs are built specifically for that situation.
30-40% Typical
Down Payment
12-24 Months
Reserves Required
Not Required
US Credit Score
Non-QM
Loan Type
Start Early
Doc Prep
Foreign National Loans in Petaluma
You don't need a Social Security number or US credit file. Lenders use foreign credit references, bank statements, and asset documentation instead.
Most programs require 30-40% down. Rates run higher than conventional — that's the tradeoff for a loan built around your situation. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Petaluma.
Petaluma draws international buyers for good reason. Wine country access, strong rental demand, and proximity to San Francisco make it a serious investment target.
Foreign national loans fill a real gap here. Standard lenders won't touch non-US borrowers — these programs are built specifically for that situation.
You don't need a Social Security number or US credit file. Lenders use foreign credit references, bank statements, and asset documentation instead.
Retail banks almost never offer foreign national programs. This loan lives in the non-QM wholesale space — you need a broker with the right lender relationships.
We work with 200+ wholesale lenders. Several specialize in foreign national products with different reserve requirements and documentation standards.
The biggest deal-killer we see: buyers underestimate reserve requirements. Most lenders want 12-24 months of reserves sitting in a verifiable account.
Wire transfers and foreign-held assets complicate things. Start gathering documentation early — sourcing and seasoning requirements are strict.
If you have a US ITIN number, an ITIN loan may offer better terms. DSCR loans are another option if the property generates rental income.
Foreign national loans trade flexibility for cost. Higher down payments and rates are real — but they're what makes approval possible without US credit history.
Sonoma County properties attract buyers from Europe, Canada, and Asia. Petaluma's mix of residential and investment properties fits the foreign national buyer profile well.
California has no restrictions on foreign nationals owning property. FIRPTA tax rules apply on sale — talk to a tax advisor before you close.
Yes. Foreign national loans use overseas credit references and bank statements. You don't need a US credit file to qualify.
Eligibility depends on the lender. Many accept B1/B2, E, L, and O visas. Some lenders also lend to buyers with no US visa at all.
Most foreign national programs require 30-40% down. Higher down payments reduce lender risk and may improve your rate.
Yes. Many foreign national buyers target rentals. A DSCR loan might also work if the property cash-flows — worth comparing both options.
Not always, but you'll need verifiable assets. Foreign bank statements work, though sourcing and translation requirements apply.
Yes. These are non-QM loans with more lender risk built in. Rates vary by borrower profile and market conditions.