Question 1

Can I get a foreign national loan without visiting the US?

Accepted Answer

Yes. We handle remote closings through mobile notaries or US embassies. You'll need to provide notarized documents and wire funds from your foreign bank.

Question 2

What interest rates should I expect in Dos Palos?

Accepted Answer

Rates typically run 7-9% as of February 2026, depending on down payment and property type. Rates vary by borrower profile and market conditions.

Question 3

Do I need a US bank account to qualify?

Accepted Answer

No. Most lenders accept foreign bank statements showing funds. You'll need a US account to make mortgage payments after closing.

Question 4

Can I use rental income to qualify?

Accepted Answer

Yes. DSCR programs within foreign national loans use projected rent to offset the mortgage. This works well for Dos Palos investment properties.

Question 5

How long does a foreign national loan take to close?

Accepted Answer

Expect 45-60 days. International document verification and currency transfers add time compared to conventional loans.

Foreign National Loans in Dos Palos: Property Access Without US Citizenship