Question 1

Can I buy in Chowchilla without a US credit score?

Accepted Answer

Yes. Foreign national lenders use international credit reports or bank references instead. A US credit score is not required.

Question 2

What visa types are eligible for this loan?

Accepted Answer

Most work visas and investor visas qualify. Tourist visa holders can still apply, but expect stricter terms and higher reserves requirements.

Question 3

Do I need to be present in the US to close?

Accepted Answer

Not always. Some lenders allow remote notarization or foreign notary closes. Confirm this early — it varies by lender and state requirements.

Question 4

Can I buy investment property as a foreign national?

Accepted Answer

Yes, and that's the most common use case. A DSCR loan may actually be a better fit if the property generates rental income.

Question 5

How long does a foreign national loan take to close?

Accepted Answer

Expect 30–45 days minimum. Document translation and foreign income verification add time. Start gathering paperwork immediately.

Foreign National Loans in Chowchilla, CA