Question 1

Can I get a foreign national loan as a visa holder?

Accepted Answer

Yes. Most programs accept B1/B2, E, L, and O visa holders. Your visa type affects which programs you qualify for.

Question 2

Do I need a US bank account to apply?

Accepted Answer

Not always. Many lenders accept foreign bank statements for reserves and down payment verification.

Question 3

Can I buy a vacation cabin near Yosemite with this loan?

Accepted Answer

Yes, but the property must meet lender guidelines. Rural cabins and non-warrantable properties need lender-by-lender approval.

Question 4

How much do I need to put down in Mariposa?

Accepted Answer

Plan for at least 30% down. Some programs require more depending on property type and documentation.

Question 5

Can rental income from the property help me qualify?

Accepted Answer

Yes, through a DSCR structure. The property's rental income covers the debt — your personal income isn't the focus.

Foreign National Loans in Mariposa, CA