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Newman sits in Stanislaus County's agricultural core. Non-US citizens buying here are often tied to the region's farming and food processing economy.
Foreign national loans are non-QM products. That means they operate outside standard federal lending rules — and require a broker with the right lender connections.
Not Required
US Credit Score Needed
25% – 40%
Typical Down Payment
6–12 Months
Reserves Required
Non-QM
Loan Type
Foreign National Loans in Newman
You don't need a US Social Security number. Lenders typically accept a valid passport and visa documentation instead.
Expect larger down payments — usually 25% to 40%. Reserves matter a lot. Lenders want to see liquid assets covering 6 to 12 months of payments.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Newman.
Newman sits in Stanislaus County's agricultural core. Non-US citizens buying here are often tied to the region's farming and food processing economy.
Foreign national loans are non-QM products. That means they operate outside standard federal lending rules — and require a broker with the right lender connections.
You don't need a US Social Security number. Lenders typically accept a valid passport and visa documentation instead.
Most retail banks won't touch foreign national loans. You need wholesale lenders who specialize in cross-border borrowers.
SRK CAPITAL works with 200+ wholesale lenders. Several of them actively price foreign national programs for California buyers.
Visa type changes everything. B-1, B-2, E-2, and H-1B borrowers get treated differently depending on the lender.
Get your foreign asset documentation ready early. Wire transfer records and foreign bank statements slow deals when they show up late.
ITIN loans are worth comparing if you've built some US credit history. They often carry better rates than foreign national programs.
DSCR loans are another option if you're buying rental property. The income qualifier is the property's rent — not yours.
Newman's market attracts buyers connected to Central Valley agriculture. Foreign nationals in food production and farm management are active here.
Property types in Newman lean toward single-family homes and small multifamily. Most foreign national programs cover both — confirm with your lender.
Yes. Many wholesale lenders use international credit reports or alternative documentation. Your passport and visa are the starting point.
H-1B, E-2, B-1, and B-2 visas are commonly accepted. Eligibility depends on the lender — not all lenders approve every visa type.
Plan for 25% to 40% down. Lower down payments are rare on foreign national programs without significant US financial history.
Not always. Foreign bank statements are acceptable at many lenders. Translations and certified conversions are typically required.
Yes, typically. Rates are higher and fees may be greater. Rates vary by borrower profile and market conditions.
Yes. Investment properties are eligible under most foreign national programs. A DSCR loan may also be worth comparing for rentals.