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Sonoma wine country attracts international buyers — and not just for vacations. Many want to own a piece of it permanently.
Foreign national loans make that possible. These are non-QM programs built for buyers who don't have a US credit history or tax returns.
25-30%
Min Down Payment
Not Always
US Credit Required
Non-QM Portfolio
Loan Type
30-45 Days
Est. Closing Time
Foreign National Loans in Sonoma
Most programs require a valid passport and visa. Some accept buyers from visa-exempt countries with no US visa at all.
Down payments typically start at 25-30%. Lenders want more skin in the game when US income and credit can't be verified.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Sonoma.
Sonoma wine country attracts international buyers — and not just for vacations. Many want to own a piece of it permanently.
Foreign national loans make that possible. These are non-QM programs built for buyers who don't have a US credit history or tax returns.
Most programs require a valid passport and visa. Some accept buyers from visa-exempt countries with no US visa at all.
Most retail banks won't touch foreign national loans. This is portfolio territory — lenders who hold loans on their own books.
At SRK CAPITAL, we work with 200+ wholesale lenders. A handful specialize in foreign national programs with competitive terms.
The biggest mistake foreign buyers make: assuming US real estate works like their home country. It doesn't.
Start the loan process before you make an offer. Sellers in Sonoma won't wait. Having a pre-approval letter signals you're serious.
If you have a US ITIN number, an ITIN loan may fit better. Those programs often have lower down payment requirements.
DSCR loans are another option if you're buying a rental property. Qualification is based on the home's income, not yours.
Sonoma sits in one of California's most sought-after wine regions. International buyers target it for second homes and vacation rentals.
Properties here often carry premium price tags. Budget for a substantial down payment — foreign national loans don't offer low-down options.
Yes. Many foreign national loan programs allow vacation rental use. Confirm the specific property's rental rules with local Sonoma ordinances.
Most lenders require one for closing and ongoing payments. Opening a US account early in the process saves time.
Expect to provide a passport, visa, foreign bank statements, and reference letters. Requirements vary by lender.
Yes, typically. These are non-QM programs, so rates run higher than conventional. Rates vary by borrower profile and market conditions.
Some lenders allow remote closings. An attorney or power of attorney can sometimes sign on your behalf at closing.
Plan for 30-45 days minimum. Foreign document verification adds time — don't let that catch you off guard during escrow.