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Sonora sits in Tuolumne County's Gold Country foothills. Non-US citizens are buying here for vacation homes, investment cabins, and long-term holdings.
This is a non-QM loan. Standard US credit history isn't required. Lenders use foreign credit profiles, asset documentation, or rental income instead.
30-40%
Min Down Payment
12-24 months
Reserves Required
Not always
US Credit Required
30-45 days
Typical Close Time
Foreign National Loans in Sonora
Most lenders want a valid passport and visa. Some accept buyers from countries without US treaty restrictions — check your country's eligibility first.
Expect a 30% down payment minimum. Some lenders push that to 35-40% depending on your country of origin and property type.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Sonora.
Sonora sits in Tuolumne County's Gold Country foothills. Non-US citizens are buying here for vacation homes, investment cabins, and long-term holdings.
This is a non-QM loan. Standard US credit history isn't required. Lenders use foreign credit profiles, asset documentation, or rental income instead.
Most lenders want a valid passport and visa. Some accept buyers from countries without US treaty restrictions — check your country's eligibility first.
Most retail banks won't touch foreign national loans. You need wholesale lenders who specialize in non-QM programs.
SRK CAPITAL works with 200+ wholesale lenders. Several actively price foreign national deals in California's smaller markets, including Tuolumne County.
Reserve requirements are strict. Most lenders want 12-24 months of mortgage payments held in a verifiable foreign or US account.
Sonora properties often include cabins, rural land, and older homes. Some lenders restrict foreign national loans to standard single-family or condo properties — confirm property type eligibility early.
If you have a US Individual Taxpayer ID, an ITIN loan may be a better fit. ITIN programs often have lower down payment requirements than foreign national loans.
Buying as an investment? A DSCR loan — which qualifies based on the property's rental income — may work better if the Sonora property can generate strong short-term rental revenue.
Sonora is a small mountain market. Appraisals can come in unpredictable — limited comparable sales make some lenders nervous on foreign national files.
Tuolumne County has a strong short-term rental market tied to Yosemite proximity. That rental demand can support a DSCR strategy alongside or instead of a foreign national loan.
Yes, vacation homes are eligible under most foreign national loan programs. Expect a higher down payment than a primary residence loan would require.
Not always. Many lenders accept foreign bank statements for asset and reserve verification. Ask your broker which lenders accept your country's documentation.
Foreign credit reports are accepted by most lenders on this program. Some lenders will also use 12 months of bank statements in place of a credit profile.
Yes. Some countries are restricted due to US government policy. Confirm your eligibility before starting an application.
Non-QM loans typically take 30-45 days. Foreign national files with overseas document verification can run longer — plan ahead.