Question 1

Can I buy a Ukiah vineyard as a foreign national?

Accepted Answer

Yes, but lender options are limited. Agricultural and mixed-use properties require specialty underwriters — most standard foreign national programs won't cover them.

Question 2

Do I need a US bank account to qualify?

Accepted Answer

Not always. Many lenders accept foreign bank statements. They typically require certified translations and 12-24 months of account history.

Question 3

What visa types are accepted?

Accepted Answer

Accepted visa types vary by lender. B1, B2, and E-2 visas are common. Some programs require no US visa at all for pure foreign national products.

Question 4

How long does closing take on a foreign national loan?

Accepted Answer

Plan for 45-60 days minimum. Overseas document collection and verification adds time that domestic loans don't require.

Question 5

Can I rent out the Ukiah property I purchase?

Accepted Answer

Yes. Many foreign national buyers purchase as investment or vacation rental properties. A DSCR loan may actually be a better fit in that case.

Question 6

Is a US credit score required for this loan?

Accepted Answer

No. Foreign national programs are built for buyers with no US credit file. Lenders use alternative documentation to assess creditworthiness instead.

Foreign National Loans in Ukiah, CA