Question 1

Can I buy in Amador City without a US credit score?

Accepted Answer

Yes. Foreign national loans don't require a US credit history. Some lenders accept a foreign credit report or rely on asset verification instead.

Question 2

What visa types are eligible for foreign national loans?

Accepted Answer

Most visa types qualify, but terms vary. E-2, L-1, and O-1 holders typically get better terms than B-1/B-2 tourist visa holders.

Question 3

Is a foreign national loan harder to get on a historic property?

Accepted Answer

It can be. Lenders want properties in good condition. Older homes in Amador City may need repairs before an appraisal passes lender standards.

Question 4

Can I use foreign rental income to qualify?

Accepted Answer

Some lenders accept foreign rental income with documented proof. Others rely purely on assets. Program rules vary — we shop both types.

Question 5

How large a down payment do I need?

Accepted Answer

Plan for at least 25-30% down. Some programs require 35-40% depending on property type and visa status. Rates vary by borrower profile and market conditions.

Question 6

Can I use this loan for a vacation home in Amador County?

Accepted Answer

Yes. Foreign national loans can be used for second homes and investment properties. Primary residence use has stricter requirements.

Foreign National Loans in Amador City, CA