Loading
Loading
UC Davis draws faculty, researchers, and visiting professionals from around the world. Many want to buy here — not rent.
Foreign national loans make that possible. These are non-QM programs built for buyers without U.S. credit history or Social Security numbers.
No
U.S. Credit Required
25-30%
Min Down Payment
Non-QM
Loan Type
60-90 days
Bank Account Lead Time
Foreign National Loans in Davis
Most lenders want a valid passport, visa documentation, and proof of income from your home country. A U.S. credit history is not required.
Down payments typically start at 25-30%. The more you put down, the more lenders open up. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Davis.
UC Davis draws faculty, researchers, and visiting professionals from around the world. Many want to buy here — not rent.
Foreign national loans make that possible. These are non-QM programs built for buyers without U.S. credit history or Social Security numbers.
Most lenders want a valid passport, visa documentation, and proof of income from your home country. A U.S. credit history is not required.
Most retail banks won't touch foreign national loans. This is a wholesale and non-QM lender product.
As a broker with access to 200+ wholesale lenders, we shop programs most buyers never see. That range matters on a niche loan like this.
The biggest deal-killer is documentation. Foreign income statements need to be translated and formatted correctly. Get that right upfront.
Some lenders also require a U.S. bank account open for 60-90 days before closing. Start that process early — it delays more deals than people expect.
ITIN loans are a close cousin. If you have an IRS-issued ITIN number, you may qualify for better terms than a straight foreign national program.
DSCR loans work if you're buying a rental property. Those underwrite on the property's rent income — not yours. Worth knowing if it's an investment purchase.
Davis is a college town with a tight housing market. Properties move fast, especially near campus.
International buyers here are often on J-1 or H-1B visas tied to UC Davis. Lender visa requirements vary — some won't lend on certain visa types, so this needs to be checked early.
Yes. Foreign national loans underwrite on foreign credit and income docs. No U.S. credit history is required.
It varies by lender. H-1B and J-1 visas are common at UC Davis — some lenders accept them, others don't. We check this before you apply.
Expect 25-30% minimum for most foreign national programs. Higher down payments improve your approval odds.
Not always. Some lenders allow remote or power-of-attorney closings. Ask about this early in the process.
Yes. A DSCR loan may actually be easier to qualify for on a rental property. It underwrites on rent income, not personal income.