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Windsor sits in Sonoma County wine country. Non-US citizens buying here are typically investors or second-home buyers drawn to the region's lifestyle and rental demand.
Foreign national loans are non-QM products. That means they operate outside standard agency rules — and that's exactly what makes them viable for international buyers.
No
US Credit Required
30%+
Typical Down Payment
12 months
Reserves Required
Non-QM
Loan Type
Foreign National Loans in Windsor
You don't need a US credit history. Lenders accept foreign credit reports or alternative documentation like bank statements and asset records.
Expect a larger down payment — typically 30% or more. Reserves matter a lot here. Most lenders want 12 months of payments sitting in a verifiable account.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Windsor.
Windsor sits in Sonoma County wine country. Non-US citizens buying here are typically investors or second-home buyers drawn to the region's lifestyle and rental demand.
Foreign national loans are non-QM products. That means they operate outside standard agency rules — and that's exactly what makes them viable for international buyers.
You don't need a US credit history. Lenders accept foreign credit reports or alternative documentation like bank statements and asset records.
Very few retail banks offer foreign national loans. This is a wholesale and portfolio lender product — which is exactly where a broker's access matters.
We work with 200+ wholesale lenders. Several specialize in foreign national programs with flexible documentation and competitive terms for international buyers.
The biggest mistake foreign national buyers make is assuming they can't qualify. The documentation just works differently — it's not harder, it's just not standard.
Passport, visa documentation, foreign credit reference, and proof of funds are your core file. Getting those organized early cuts weeks off your timeline.
If you have a US-issued ITIN, an ITIN loan may get you better terms than a foreign national program. Worth checking before you commit to either path.
DSCR loans are another option if the property generates rental income. The debt-service coverage ratio model doesn't require personal income docs at all.
Windsor is a small town with a strong short-term rental market tied to wine country tourism. That makes DSCR and foreign national loans a natural pairing here.
Sonoma County has strict short-term rental regulations. Confirm local permit rules before structuring your loan around projected rental income.
Yes. Foreign national loans accept foreign credit references and bank statements. You don't need a US credit history to qualify.
Eligible visa types vary by lender. Many programs accept B1/B2, E, L, and O visas. We match you to a lender that fits your visa status.
Plan for at least 30% down. Some lenders require more depending on property type and your country of origin.
Most lenders accept foreign bank statements for reserve verification. Funds must be documented and sourced. Translation may be required.
Yes. Foreign national loans work for investment and second-home purchases. Windsor's rental market makes investment purchases common here.
Most lenders require US-based funds for closing. Opening a US account early in the process avoids last-minute delays.