Question 1

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

Accepted Answer

Most lenders allow remote closings through power of attorney or mobile notaries. You'll still need US bank accounts established beforehand.

Question 2

Do all lenders accept income from my home country?

Accepted Answer

Only non-QM lenders accept foreign income documentation. They require certified translations and may verify employment directly with your employer.

Question 3

What interest rates should I expect in Pinole?

Accepted Answer

Rates vary by borrower profile and market conditions. Foreign national rates typically run 6.5-8.5% depending on down payment and country of residence.

Question 4

Can I use this loan for a vacation home?

Accepted Answer

Yes, though investment property pricing is more common. Second home rates require proof you're not renting the property to tenants.

Question 5

How long does underwriting take for foreign national loans?

Accepted Answer

Expect 45-60 days from application to closing. Document translation and foreign income verification add time versus conventional loans.

Foreign National Loans in Pinole: Mortgage Access for Non-US Citizens