Question 1

Do I need a US credit score to qualify?

Accepted Answer

No. Lenders accept foreign credit references or bank letters instead. US credit history is not required for foreign national loans.

Question 2

Which visa types are accepted?

Accepted Answer

B1, B2, and other non-immigrant visas are often accepted, but it varies by lender. Some visa types are restricted — ask before you apply.

Question 3

Can I buy a rental property in Orland with this loan?

Accepted Answer

Yes. Investment properties are common for foreign national borrowers. A DSCR loan may also work depending on the rental income.

Question 4

How much do I need to put down in Glenn County?

Accepted Answer

Most foreign national programs require 25-30% down. Lower down payment options are rare on non-QM products. Rates vary by borrower profile and market conditions.

Question 5

Can I use foreign income to qualify?

Accepted Answer

Yes. Foreign income documentation is acceptable. Lenders typically want two years of foreign tax returns or employer letters translated into English.

Question 6

Is Orland a good market for a foreign buyer?

Accepted Answer

It depends on your goals. Orland offers lower price points than coastal California, which helps offset the higher down payment these loans require.

Foreign National Loans in Orland, CA