Folk Capital specializes in mortgages for foreign nationals, visa holders, and Spanish-speaking families across California — guided in the language you're most comfortable in.
Leave your info and we'll call you personally — no forms, no waiting.
Most banks aren't set up to help foreign nationals or ITIN holders. We are — every day.
No U.S. credit history? No problem. We work with international buyers and investors purchasing property in the United States.
Loan programs built around an ITIN in place of an SSN, and for borrowers on work or investment visas.
The entire process — conversations, paperwork, disclosures — available in Spanish from first call to closing.
Purchase or refinance financing for non-resident buyers, including investment and vacation properties.
Qualify using an Individual Taxpayer Identification Number when a Social Security Number isn't available.
Financing for rental and investment properties, including portfolio and DSCR-style programs.
Lower your rate, shorten your term, or pull cash out of an existing California property.
Step-by-step support for families buying their first home in the United States.
We help you prepare a complete, accurate loan application and gather the right documentation the first time.
No jargon, no guesswork. Here's exactly what happens after you reach out.
A quick conversation about the property, your status, and what you're trying to finance.
We identify which programs fit your citizenship or visa status, income, and goals.
Fill out our secure intake form so we can prepare your full loan application and required disclosures.
We walk you through every disclosure and document, in English or Spanish, through closing.