Question 1

Can a foreign national buy property in Arcata without a US credit score?

Accepted Answer

Yes. Most foreign national programs use alternative documentation. Foreign bank statements and credit reports from your home country are typically accepted.

Question 2

What visa types qualify for foreign national loans?

Accepted Answer

B1/B2 tourist visas, work visas, and student visas can qualify. Requirements differ by lender — your visa type affects which programs are available.

Question 3

How much do I need to put down in Arcata?

Accepted Answer

Plan on 25–30% minimum. Some programs require more depending on your visa status and the lender's LTV cap.

Question 4

Can I buy through an LLC as a foreign national?

Accepted Answer

Some lenders allow it. LLC purchases add underwriting complexity and may require additional entity documentation.

Question 5

Are foreign national loans available for HSU rental properties?

Accepted Answer

Yes. DSCR programs are often a strong fit — they qualify based on rental income, not your personal foreign income.

Question 6

How long does a foreign national loan take to close in California?

Accepted Answer

Typically 30–45 days. Missing visa or asset documentation is the most common cause of delays.

Foreign National Loans in Arcata, CA