Loading
Loading
Wheatland sits in Yuba County, one of California's most affordable regions. Non-US citizens can buy here at price points that larger metros simply don't offer.
Foreign national loans are non-QM products. That means lenders set their own rules — and rates vary significantly from one lender to the next.
25–30%
Min Down Payment
Not required
US Credit Required
12+ months
Reserves Required
Non-QM
Loan Type
Foreign National Loans in Wheatland
Most programs require a valid foreign passport and visa. Some lenders accept investor visas; others won't touch certain visa types at all.
Expect a down payment of 25–30% minimum. Lenders offset the added risk by requiring more skin in the game upfront.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Wheatland.
Wheatland sits in Yuba County, one of California's most affordable regions. Non-US citizens can buy here at price points that larger metros simply don't offer.
Foreign national loans are non-QM products. That means lenders set their own rules — and rates vary significantly from one lender to the next.
Most programs require a valid foreign passport and visa. Some lenders accept investor visas; others won't touch certain visa types at all.
Most big banks pass on foreign national borrowers entirely. This loan lives in the wholesale and private lending space.
SRK CAPITAL works with 200+ wholesale lenders. We know which ones actively approve foreign national files in rural California markets like Wheatland.
Documentation is where these deals fall apart. Get your passport, visa, foreign bank statements, and proof of income organized before you apply.
Wheatland is a smaller market. Some lenders cap foreign national loans by county population or appraisal complexity. We know who will and won't lend here.
If you have a US Individual Taxpayer Identification Number, an ITIN loan may get you a better rate. ITIN programs treat borrowers closer to conventional standards.
Investors buying rental property should also look at DSCR loans. Some DSCR lenders accept foreign nationals if the property cash flow is strong.
Wheatland's rural designation affects appraisal quality. Thin comparable sales make some lenders nervous about collateral value.
Yuba County has no foreign trade zone or major international employer nearby. Most foreign national buyers here are investors, not occupants.
Yes. Most foreign national programs don't require US credit history. Lenders use alternative documentation like foreign bank statements instead.
It depends on the lender. B1, B2, and investor visas vary by program. We match your visa type to lenders who will approve it.
Plan for at least 25–30% down. Some lenders require more for rural California counties like Yuba.
Yes, and that's the most common use case in Wheatland. Some lenders prefer investment over owner-occupied for foreign national borrowers.
Lenders accept foreign income documentation, bank statements, or asset reserves. Requirements vary by lender and country of origin.