Question 1

Can I get a foreign national loan without visiting the US?

Accepted Answer

Yes. Most lenders allow remote closing through mobile notaries or US-based representatives with power of attorney. We coordinate the entire process digitally.

Question 2

Which countries do lenders restrict?

Accepted Answer

Restrictions change based on sanctions and wire transfer rules. Currently, most lenders avoid Iran, North Korea, Syria, and a few others. We check your specific country upfront.

Question 3

How do lenders verify foreign income?

Accepted Answer

Bank statements showing regular deposits work for most lenders. Some accept employer letters or business financials translated to English by certified translators.

Question 4

Do I need a US bank account?

Accepted Answer

Yes. You need a US account for down payment and closing costs. Most foreign nationals open accounts with major banks before starting the purchase process.

Question 5

Can I use the property as a vacation home?

Accepted Answer

Yes. Foreign national loans work for second homes and investment properties. Usage type affects down payment requirements but not eligibility.

Foreign National Loans in Lafayette — Property Access Without US Citizenship