Moving to Redwood City from abroad is exciting, but the details can feel overwhelming. You may be juggling time zones, paperwork, currency transfers, and a competitive Peninsula market. With the right plan and local team, you can buy confidently, close smoothly, and settle into a community that fits your work and lifestyle. This guide walks you through the process, services, and timelines that help international buyers succeed in Redwood City. Let’s dive in.
Why Redwood City attracts global buyers
Redwood City sits in the heart of San Mateo County with quick access to Silicon Valley employers, San Francisco, and the coast. You get a mix of neighborhoods, from downtown condos and townhomes to waterfront living in Redwood Shores and classic single-family streets. The city’s amenities, parks, and Bay access add everyday convenience.
Commuting is straightforward. You have direct rail service via Caltrain, plus fast access to Highway 101 and I‑280. The City of Redwood City also makes local services and community updates easy to find, which helps new residents get settled faster.
Can you buy in the U.S. as a non-citizen?
Yes. U.S. law allows non-U.S. citizens and non-resident aliens to purchase and own residential property. There are no federal rules that broadly prohibit foreign individuals from buying a home.
Your ownership structure matters. Some buyers hold title personally, while others use entities or trusts based on tax and estate planning goals. Because rules can be complex, it is wise to consult a cross-border tax advisor and, when needed, an attorney. You can also verify agent licensing and consumer guidance through the California Department of Real Estate.
Financing choices for non-U.S. buyers
Cash purchases are often the simplest path for international buyers because they avoid extra lender documentation. If you prefer financing, many U.S. lenders offer programs for non-citizens and non-residents, but requirements are stricter than for domestic borrowers.
- Down payment: Many lenders ask for 25 to 50 percent for non-resident borrowers, depending on your documentation and program.
- Documentation: Expect to provide asset statements, income verification, and proof of source of funds. Some lenders require a Social Security Number, while others accept ITIN-based programs.
- Rates and terms: Programs vary. Compare options with a mortgage broker who routinely works with non-resident clients.
To prepare, explore the CFPB’s mortgage shopping resources for clear guidance on comparing loans and understanding disclosures. If you need an ITIN for tax reporting, use the IRS overview on Individual Taxpayer Identification Numbers.
Build your Redwood City buying team
Local REALTOR with relocation experience
Work with an agent who understands international logistics, remote tours, and competitive Peninsula offer strategy. Your agent should coordinate virtual showings, guide inspections, and manage escrow details across time zones.
Mortgage broker for non-resident borrowers
Choose a broker with proven programs for foreign nationals and ITIN borrowers. They will outline down payment options, documentation, and realistic timelines so you can write a strong, credible offer.
Cross-border tax advisor
An international CPA or tax attorney can address U.S. filing needs, rental income planning, estate considerations, and FIRPTA implications for future resale. Early planning avoids costly surprises.
Title and escrow company
Select an escrow and title team experienced with international closings and anti–wire fraud procedures. They help verify identity, handle remote notarization options, and issue title insurance at closing.
Currency transfer and FX specialist
Large cross-border transfers require planning. An FX partner can help optimize exchange rates, time transfers to match escrow deadlines, and document source of funds for lenders and escrow.
Immigration attorney when needed
If your employment or visa status affects your home financing or timing, coordinate with an immigration attorney so your purchase aligns with your long-term plans.
Movers, notaries, and translators
Use international movers and customs brokers if you are shipping household goods. Arrange notaries and certified translations if any documents require apostille or translation for lender and escrow.
Step-by-step timeline to purchase
Pre-purchase planning, weeks 4 to 8+
- Define your budget and neighborhoods with your agent.
- Get pre-qualified with a lender that supports non-resident borrowers, or confirm proof of funds for cash.
- Set your calendar for virtual tours and, if possible, an in-person visit.
- Start tax and estate planning check-ins if you anticipate renting the property or holding long term.
Active search and offers
- Tour homes virtually, then short-list for in-person visits when you are in town.
- Prepare your offer package: pre-approval or proof of funds, signed disclosures, and a tailored offer strategy based on the property and market.
- Be responsive. The Peninsula is competitive, so prompt signatures and clear terms can make the difference.
Escrow period, typically 30 to 45 days
- Schedule inspections and review all seller disclosures carefully.
- Lock financing, satisfy lender conditions, and finalize insurance.
- Coordinate your currency transfers and final wire of funds with the escrow company.
After closing
- Transfer utilities, register for property tax statements, and set up HOA accounts if applicable. The San Mateo County Assessor-County Clerk-Recorder provides property tax and recordation guidance.
- Update mailing addresses and set up local services.
- Plan any immediate maintenance before move-in day.
Remote purchase and secure closing
You can complete most steps remotely. Offers are commonly signed electronically. Some loan or escrow documents may still require notarization, which you can often complete abroad through an approved process or with an apostille service.
Remote closing options vary by lender and title company. Discuss these early, including the possibility of a limited Power of Attorney if you cannot be present. Confirm wire instructions directly with escrow, and follow their anti–wire fraud procedures. Your agent and title team will help you verify every step.
Neighborhoods, commute, and lifestyle
Redwood City offers a range of living options. Downtown and the Courthouse Square area place you near dining, entertainment, and Caltrain. Redwood Shores features planned communities and waterfront settings close to campus-style offices. Hillside and residential areas provide single-family homes on quieter streets.
Commute needs are personal. Many Peninsula employers are within 10 to 40 minutes by car, depending on traffic. Caltrain can be a reliable alternative for travel along the Peninsula corridor. Families often review public and private school options and confirm district boundaries directly with the school offices.
What to prepare: documents and logistics
Have your documents in order so you can move quickly when the right home appears:
- Passport and government-issued photo ID
- Proof of funds and asset statements
- Income verification if financing, such as tax returns and employment letters
- Documentation for foreign assets and source of funds
- ITIN or SSN if available
- Contact list for your lender, escrow officer, FX specialist, and tax advisor
For local setup, confirm electric, gas, water, trash, and internet providers by address. High-speed internet availability varies by neighborhood, so verify service in advance. The City of Redwood City lists utility and service contacts to help you get started.
Taxes and compliance basics
Property owners in San Mateo County pay local property taxes based on assessed value, plus any local assessments. The county’s Assessor-County Clerk-Recorder shares key information on assessments, exemptions, and billing schedules.
If you earn rental income from the property, that income is U.S.-sourced and typically requires U.S. tax reporting. For identity and tax filing purposes, review the IRS guide on ITINs. When you eventually sell, the Foreign Investment in Real Property Tax Act may apply to foreign sellers. Buyers and sellers should understand the basics of FIRPTA withholding and work with experienced tax advisors.
Mortgage lenders must follow U.S. consumer protection rules. The Consumer Financial Protection Bureau’s mortgage resources can help you compare loans, understand disclosures, and know your rights as a borrower.
How we support your move
As a boutique Mid-Peninsula team backed by Compass tools, we help you buy with clarity and confidence. You get a high-touch process designed for international buyers: multilingual communication in English, French, and Italian, detailed neighborhood guidance, and virtual or in-person tours tailored to your schedule.
We coordinate with experienced mortgage brokers, escrow officers, FX partners, and cross-border tax advisors. You receive a clear offer strategy for Redwood City’s competitive market, plus step-by-step escrow management and remote closing support. If your move involves selling a home locally before buying, we can discuss Compass bridge loan options through our partner network.
Let’s get started
If Redwood City is on your short list, a focused plan will save you time and stress. Reach out for a private consultation to discuss financing options, neighborhoods, and a purchase timeline that fits your move. Connect with Marylene Notarianni to start your Redwood City home search with a trusted local guide.
FAQs
Can a non-U.S. citizen buy a home in Redwood City?
- Yes. Foreign nationals can buy and own U.S. residential property; work with a local agent and cross-border tax advisor to choose the right ownership structure.
Do I need a Social Security Number to get a mortgage?
- Not always. Some lenders require an SSN, while others offer programs that accept an ITIN; confirm requirements with a mortgage broker who serves non-resident borrowers.
How much down payment should I expect as an international buyer?
- Many lenders ask for 25 to 50 percent down for non-resident borrowers, depending on your documentation and the specific loan program.
Can I close remotely from overseas when buying in Redwood City?
- Often yes. Many escrows support remote notarization or apostille, couriered documents, and a limited Power of Attorney; confirm the process with your title, escrow, and lender early.
What should I know about property taxes in San Mateo County?
- Property taxes are based on assessed value with possible local assessments; consult the San Mateo County Assessor-County Clerk-Recorder for guidance on assessments and billing.
How do commutes work from Redwood City to tech hubs?
- You have direct Caltrain service and quick access to Highway 101 and I‑280; actual times vary by destination and traffic.
Which documents should I prepare before I make an offer?
- Prepare a passport or ID, proof of funds, income verification if financing, ITIN or SSN if available, and documentation for source of funds to satisfy lender and escrow requirements.
