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Marysville sits in Yuba County at a price point most coastal cities can't touch. That makes it a real target for foreign buyers looking for California property without Bay Area prices.
Foreign national loans are non-QM — they don't follow standard Fannie Mae rules. That means different lenders, different docs, and a broker who knows both worlds.
No
US Credit Required
25-30%
Typical Down Payment
Yes
Foreign Credit Accepted
30-45 days
Est. Close Time
Eligible
Investment Properties
Foreign National Loans in Marysville
You don't need a US credit history. Most lenders accept foreign credit reports or reference letters from your home country bank.
Down payments typically start at 25-30%. Some lenders require more depending on your country of origin and loan size. 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 Marysville.
Marysville sits in Yuba County at a price point most coastal cities can't touch. That makes it a real target for foreign buyers looking for California property without Bay Area prices.
Foreign national loans are non-QM — they don't follow standard Fannie Mae rules. That means different lenders, different docs, and a broker who knows both worlds.
You don't need a US credit history. Most lenders accept foreign credit reports or reference letters from your home country bank.
Very few retail banks offer foreign national loans. This is a wholesale and portfolio lender product — exactly where a broker earns their fee.
We work with 200+ wholesale lenders. Maybe a dozen actively do foreign national deals. Knowing which ones are pricing well on a given month matters a lot.
The biggest deal-killer I see is wire transfer documentation. Lenders want a clear paper trail for your down payment funds coming from overseas.
Start that paper trail early. Two to three months of foreign bank statements showing the funds, plus a clear wire record, can make or break underwriting.
If you have a US ITIN number, an ITIN loan might get you better terms than a foreign national program. The two programs overlap but aren't identical.
DSCR loans are another option if you're buying a rental. Income comes from the property, not you — which sidesteps the foreign income documentation problem entirely.
Marysville is a small market. Appraisals can be thin on comps. Some lenders get nervous with rural or low-density markets on foreign national files.
As of April 2026, Yuba County property taxes remain low relative to California norms. That helps cash flow if you're holding this as an investment.
Yes. These loans are specifically built for borrowers without SSNs. A passport and foreign bank documentation are the starting point.
Not always. Some lenders allow remote or embassy closings. Ask early — it affects which lenders we can use for your file.
Yes. Foreign national loans work for investment properties. A DSCR loan may also be worth comparing for rental purchases.
Expect 30-45 days minimum. Manual underwriting and overseas document verification add time to the process.
Lenders maintain their own restricted country lists. OFAC-sanctioned countries are always excluded. We check this before submitting your file.