Foreign-national Loans in San Jose, CA
Foreign-national loans help non-US residents purchase US property using asset-based or alternative-credit underwriting.
About Foreign-national loans
What this loan type means for San Jose buyers.
Non-US residents purchasing property in the United States. Asset-based or alternative-credit underwriting.
Borrowers in San Jose, California can use Foreign-national financing for primary residences in most cases, subject to the 2026 loan limit applicable to California. Talk to a licensed loan officer to confirm eligibility for your situation — credit, debt-to-income ratio, and property type all factor into approval.
Before reaching out, verify any loan officer's current licensing through NMLS Consumer Access. MLO Finder shows source-linked review snapshots where available but is not a lender and does not originate loans.
Borrower fit
Who Foreign-national loans are for in San Jose.
Foreign-national loans serve non-US citizens and non-US residents buying property in the United States — typically vacation homes, investment properties, or homes for adult children studying or working in the US. The borrower doesn't need a Social Security number, US credit, or US tax returns.
