Question 1

Can I buy in Dublin without a US credit score?

Accepted Answer

Yes. Foreign national loans are designed for this. Lenders use foreign bank references and income docs instead.

Question 2

How much do I need to put down?

Accepted Answer

Expect 30-40% down on most foreign national programs. Some lenders may require more depending on the property type.

Question 3

Do I need to be in the US to close?

Accepted Answer

Not necessarily. Some lenders allow remote closings with a power of attorney. Confirm this with your lender before you start.

Question 4

Can I use a foreign national loan for a rental property in Dublin?

Accepted Answer

Yes. Both owner-occupied and investment purchases are possible. A DSCR loan may also be worth comparing for rentals.

Question 5

How long does this process take?

Accepted Answer

Plan for 45-60 days minimum. Foreign income verification and bank reference letters add time to the standard timeline.

Foreign National Loans in Dublin, CA