Question 1

Can I buy in Ione without a US credit score?

Accepted Answer

Yes. Foreign national loans don't require US credit history. Lenders use your foreign income, assets, and reserves instead.

Question 2

What visa types are acceptable?

Accepted Answer

Accepted visas vary by lender. B1, B2, and other visitor visas are often allowed. We match you to lenders that accept your specific visa type.

Question 3

How much do I need to put down in Ione?

Accepted Answer

Most foreign national programs require 25–30% down. Higher down payments can offset limited US financial history.

Question 4

Can I finance a rental property with this loan?

Accepted Answer

Yes, but a DSCR loan may price better for investment properties. We compare both programs for every investor client.

Question 5

Do foreign national loans carry higher rates?

Accepted Answer

Yes, rates run higher than conventional loans. Rates vary by borrower profile and market conditions.

Question 6

How long does closing take for foreign national loans?

Accepted Answer

Expect 30–45 days minimum. Document translation and international income verification add time to underwriting.

Foreign National Loans in Ione, CA