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Exeter sits in Tulare County's agricultural heartland. Non-US citizens buying here are often tied to the region's farming economy.
Foreign national loans fill a real gap. US lenders won't touch most borrowers without a Social Security number — this program does.
Not Required
US Credit Required
25-30%
Min Down Payment
Non-QM
Loan Type
30-45 Days
Est. Close Time
Foreign National Loans in Exeter
You need a valid foreign passport and visa. Most lenders also require a credit reference letter from your home country bank.
Down payments typically start at 25-30%. Expect to document assets held outside the US.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Exeter.
Exeter sits in Tulare County's agricultural heartland. Non-US citizens buying here are often tied to the region's farming economy.
Foreign national loans fill a real gap. US lenders won't touch most borrowers without a Social Security number — this program does.
You need a valid foreign passport and visa. Most lenders also require a credit reference letter from your home country bank.
Most retail banks won't do foreign national loans. This is a non-QM product — meaning it lives outside standard lending rules.
Wholesale lenders that specialize in non-QM are your best path. SRK CAPITAL works with 200+ lenders, including those active in this space.
The biggest mistake foreign national borrowers make is waiting too long to gather foreign bank docs. That process takes weeks.
If you earn rental income from the US property, a DSCR loan might also fit. We compare both before committing to one.
ITIN loans are similar but built for borrowers with a US taxpayer ID. If you have an ITIN, that program often offers better rates.
DSCR loans skip income verification entirely. If the Exeter property will generate rent, that route may close faster.
Exeter is a small Central Valley town. Property values here are lower than coastal California — which helps foreign buyers stretch their down payment further.
Tulare County has a large agricultural workforce with international ties. That makes foreign national lending more relevant here than in many California cities.
Yes. Foreign national loans don't require US credit history. Lenders use foreign bank references and asset documentation instead.
Most lenders accept B1, B2, H-1B, and other valid visas. Visa type affects terms, so ask before assuming you qualify.
Expect 25-30% down for foreign national loans. Lower down payment options are rare on this program.
Yes, and if you plan to, a DSCR loan may fit better. It qualifies you on rental income, not personal income.
Plan for 30-45 days minimum. Foreign document collection adds time — start that process before you make an offer.