Question 1

Can I buy in Eureka without a U.S. credit score?

Accepted Answer

Yes. Foreign national lenders accept foreign credit reports or bank reference letters. No U.S. credit history is required.

Question 2

What visa types qualify for this loan?

Accepted Answer

Most non-immigrant visas qualify, including B1/B2, E-2, and H-1B. Some lenders exclude certain visa categories — confirm before applying.

Question 3

How much do I need to put down in Eureka?

Accepted Answer

Plan on 30% minimum. Lenders may require more depending on your country of origin and the property type.

Question 4

Can I buy a rental property as a foreign national?

Accepted Answer

Yes. A DSCR loan may actually be a better fit — it qualifies based on rent income, not your personal income or visa status.

Question 5

How long does a foreign national loan take to close?

Accepted Answer

Expect 30-45 days minimum. Document collection from overseas can slow things down — start early.

Question 6

Do I need a U.S. bank account to qualify?

Accepted Answer

Not always, but it helps. Lenders want to verify liquid reserves. A U.S. account makes fund transfers and verification faster.

Foreign National Loans in Eureka, CA