Question 1

Can I get a foreign national loan without visiting the US?

Accepted Answer

Yes, remote closings work through power of attorney and mobile notaries. Lenders require notarized documents but you don't need to travel for closing.

Question 2

What countries do lenders typically restrict?

Accepted Answer

Most lenders avoid sanctioned nations and high-risk jurisdictions. Canada, Mexico, China, Japan, and UK borrowers rarely face restrictions.

Question 3

How long does underwriting take for foreign national loans?

Accepted Answer

Expect 45-60 days from application to closing. Translation and verification of foreign documents adds 2-3 weeks versus domestic loans.

Question 4

Can I refinance with a foreign national loan later?

Accepted Answer

Yes, refinancing works with the same documentation requirements. Some borrowers refinance into ITIN loans after establishing US tax history.

Question 5

Do I need a US bank account to qualify?

Accepted Answer

Not for qualification, but lenders require one for payments. You can open an account during escrow with your passport and loan documents.

Foreign National Loans in Torrance — Property Financing Without US Citizenship