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Yuba City sits in California's Sacramento Valley — a region with strong agricultural ties and a large South Asian diaspora.
That community connection drives real demand for foreign national financing. Many buyers here have family in India or abroad and want U.S. property.
30%+
Min Down Payment
12 months PITI
Reserves Required
No
U.S. Credit Required
45–60 days
Est. Closing Time
Non-QM
Loan Classification
Foreign National Loans in Yuba City
You don't need a Social Security number or U.S. credit history. Lenders use foreign credit reports, bank statements, or asset documentation instead.
Most programs require 30% down or more. Expect reserves of 12 months PITI (principal, interest, taxes, and insurance) 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 Yuba City.
Yuba City sits in California's Sacramento Valley — a region with strong agricultural ties and a large South Asian diaspora.
That community connection drives real demand for foreign national financing. Many buyers here have family in India or abroad and want U.S. property.
You don't need a Social Security number or U.S. credit history. Lenders use foreign credit reports, bank statements, or asset documentation instead.
Most retail banks won't touch foreign national loans. This is a wholesale and private lender product — you need a broker with the right shelf.
At SRK CAPITAL, we access 200+ wholesale lenders. Several specialize in foreign national programs with competitive terms for California purchases.
The biggest deal-killer I see is documentation. Lenders want source-of-funds clarity. Foreign bank statements need certified translation and explanation.
Wire transfers for down payment must be documented 60-90 days back. Start organizing records early — this is not a 30-day close loan.
If you have a U.S. ITIN number, an ITIN loan may get you better terms than a foreign national product. Credit history matters here.
DSCR loans are another path if the property is a rental. Lenders qualify on rental income — not your personal income at all.
Yuba City has a well-established Punjabi Sikh community. Many buyers maintain ties abroad and purchase property here for family or investment.
Property values in Sutter County are accessible compared to the Bay Area. That lower price point helps when you're putting 30%+ down.
Yes. Lenders accept foreign credit reports or use asset-based qualification. You don't need a U.S. credit history.
Most tourist, work, and investor visas are eligible. B1/B2, H-1B, and E-2 visas are common. Program rules vary by lender.
Most foreign national programs require 30% down. Some lenders go up to 35-40% depending on documentation type.
Yes. Investment properties are common with this program. A DSCR loan may be a better fit — ask us to compare both.
Yes, typically higher than conventional. This is a non-QM product with more lender risk built into the pricing. Rates vary by borrower profile and market conditions.
Plan for 45-60 days. Document verification and fund sourcing take longer than a standard loan.