Question 1

Can I buy in Holtville without a US credit score?

Accepted Answer

Yes. Lenders use foreign credit reports or bank statements instead. No US credit history is required for foreign national programs.

Question 2

What visa types qualify for this loan?

Accepted Answer

It depends on the lender. E-2, L-1, and some B-visa holders can qualify. We match you to lenders based on your specific visa.

Question 3

How much do I need to put down?

Accepted Answer

Expect 25-30% minimum for most foreign national programs. Some lenders require more depending on documentation and property type.

Question 4

Can I use this loan to buy a rental property in Holtville?

Accepted Answer

Yes. A DSCR loan may actually be a better fit for rentals. We can compare both options for your situation.

Question 5

Do I need a US bank account to apply?

Accepted Answer

Not always. Many lenders accept foreign bank statements for asset verification. Having a US account does make the process smoother.

Foreign National Loans in Holtville, CA