Question 1

Can I buy in Lakeport without a US credit score?

Accepted Answer

Yes. Foreign national lenders don't require US credit history. They qualify you on foreign financials, passport, and down payment instead.

Question 2

What visa types are accepted for foreign national loans?

Accepted Answer

Accepted visas vary by lender. B-1, B-2, and most non-immigrant visas are common. Some lenders exclude certain visa categories entirely.

Question 3

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

Accepted Answer

Most foreign national lenders require 25–30% down. Lake County's lower price points make that down payment more achievable than coastal markets.

Question 4

Can I use this loan for a rental or vacation home?

Accepted Answer

Yes. Foreign national loans cover primary, vacation, and investment properties. Investment purchases may require a larger down payment.

Question 5

How long does approval take for a foreign national loan?

Accepted Answer

Expect a longer timeline than standard loans — often 30–45 days. Document translation and international verification add processing time.

Question 6

Is a foreign national loan the same as an ITIN loan?

Accepted Answer

No. ITIN loans are for buyers with a US tax ID. Foreign national loans require no US tax history at all. Different programs, different lenders.

Foreign National Loans in Lakeport, CA