Question 1

Do I need a US credit score to qualify?

Accepted Answer

No. Lenders use your foreign credit profile and asset documentation. A US credit score helps but is not required.

Question 2

Which visa types are accepted in Brawley?

Accepted Answer

It depends on the lender. B-1, B-2, and many work visas qualify. Some lenders accept buyers with no US visa at all.

Question 3

How much down payment do I need?

Accepted Answer

Plan for 30-40% down. Some lenders require more depending on your country of origin and visa status.

Question 4

Can I buy a rental property as a foreign national?

Accepted Answer

Yes. Investment purchases are common with this program. Pairing it with a DSCR approach can simplify income documentation.

Question 5

How long does the loan process take?

Accepted Answer

Foreign national loans take longer than conventional loans. Budget 45-60 days minimum due to international document verification.

Question 6

Can I buy in Brawley if I live in Mexico?

Accepted Answer

Yes. Foreign residents can purchase US property. You will need proper documentation of identity, assets, and income source.

Foreign National Loans in Brawley, CA