Question 1

Can I buy in Novato without a US credit score?

Accepted Answer

Yes. Foreign national lenders accept overseas credit reports or bank statements. A US credit score is not required.

Question 2

What visa types are eligible?

Accepted Answer

Accepted visa types vary by lender. B1/B2, E, L, and O visas are commonly approved. We match you to lenders that fit your status.

Question 3

How much do I need to put down?

Accepted Answer

Most foreign national programs require 30% down. Some lenders go higher depending on property type and country of origin.

Question 4

Can I use this loan for a rental property in Novato?

Accepted Answer

Yes. Foreign nationals can buy investment properties. A DSCR loan may also work — it qualifies on rental income, not personal income.

Question 5

How long does closing take on a foreign national loan?

Accepted Answer

Expect 45–60 days minimum. Document gathering from foreign institutions adds time. Start early.

Question 6

Do I need a US bank account to qualify?

Accepted Answer

Not always, but it helps. Some lenders require US-held reserves at closing. Ask us before opening accounts you don't need.

Foreign National Loans in Novato, CA