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Visalia sits in Tulare County's agricultural core. Non-US citizens buying here are often tied to the region's farming and agribusiness economy.
Foreign national loans fill a real gap. Standard lenders won't touch buyers without a US credit file or Social Security number.
25-30%
Min Down Payment
Not Required
US Credit Score Needed
24 Months
Bank Statements Required
12+ Months
Reserves Recommended
Non-QM
Loan Category
Foreign National Loans in Visalia
Most lenders require a valid foreign passport and visa. Some programs accept buyers on B-1, B-2, or investor visas.
Down payments typically start at 25-30%. Lenders offset the added risk by requiring more skin in the game.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Visalia.
Visalia sits in Tulare County's agricultural core. Non-US citizens buying here are often tied to the region's farming and agribusiness economy.
Foreign national loans fill a real gap. Standard lenders won't touch buyers without a US credit file or Social Security number.
Most lenders require a valid foreign passport and visa. Some programs accept buyers on B-1, B-2, or investor visas.
Most retail banks pass on these loans. Foreign national programs live almost exclusively in the non-QM wholesale space.
We work with 200+ wholesale lenders. Several specialize in foreign national programs with real appetite for California purchases.
Documentation is the make-or-break factor. Lenders want 2 years of foreign bank statements and proof of income from your home country.
Asset reserves close deals. Showing 12+ months of reserves in a US or international account moves files through underwriting faster.
ITIN loans are a close cousin. If a buyer has an IRS-issued tax ID, ITIN programs often offer better rates and lower down payments.
DSCR loans are another option for investment purchases. If the property cash flows, the lender cares less about your personal income.
Visalia's market includes agricultural land, single-family homes, and small income properties. All three can qualify under foreign national guidelines.
Tulare County draws buyers from Mexico and Central America with ties to the region's farming sector. We see this deal type regularly.
Yes. Foreign national programs don't require US credit history. Lenders use foreign bank statements and asset verification instead.
Most programs accept B-1, B-2, and investor visas. Requirements vary by lender, so checking program guidelines upfront matters.
Expect 25-30% minimum. Some lenders require more depending on your country of origin and documentation strength.
Yes. Investment purchases work well under DSCR programs if the property generates rental income. Your personal income becomes secondary.
Most lenders require one for the closing funds transfer. Opening a US account early in the process removes a common delay.
Lenders accept foreign bank statements and employer letters. Certified translations are required for all non-English documents.