Question 1

Can I buy in Madera without a US Social Security number?

Accepted Answer

Yes. Foreign national loans don't require a Social Security number. A valid passport and visa are the standard starting point.

Question 2

What visa types qualify for foreign national loans?

Accepted Answer

Most lenders accept B1/B2 tourist visas, along with E, H, L, and O visa holders. Each lender's accepted visa list differs.

Question 3

How much do I need to put down in Madera?

Accepted Answer

Plan for 25% to 40% down. Some lenders go lower for stronger credit profiles, but that's the typical range for foreign nationals.

Question 4

Can I use foreign income to qualify?

Accepted Answer

Yes. Lenders document foreign income through employer letters, foreign tax returns, or bank statements. Translation may be required.

Question 5

Is this loan available for investment properties in Madera?

Accepted Answer

Yes. Many foreign nationals buy US property as investments. DSCR or foreign national loan programs both work for rental purchases.

Question 6

How long does a foreign national loan take to close?

Accepted Answer

Expect 30–45 days, sometimes longer. Document collection from overseas adds time — start gathering paperwork early.

Foreign National Loans in Madera, CA