Question 1

Can I buy in Gustine without a US credit score?

Accepted Answer

Yes. Many foreign national lenders accept foreign credit references instead. You'll still need strong documentation of income and assets.

Question 2

What visa types qualify for these loans?

Accepted Answer

Accepted visa types vary by lender. B1, B2, and investor visas are common. Some lenders approve buyers with no US visa on file at all.

Question 3

How much do I need to put down in Gustine?

Accepted Answer

Most foreign national lenders require 30% down minimum. Some programs go higher depending on property type and borrower profile.

Question 4

Can I finance farmland as a foreign national?

Accepted Answer

Some non-QM lenders will finance rural or agricultural parcels. You'll need a lender experienced with ag collateral — not all of them are.

Question 5

Is a US bank account required to close?

Accepted Answer

It depends on the lender. Some require a US account for closing funds. Others accept wire transfers from foreign accounts.

Question 6

How is this different from an ITIN loan?

Accepted Answer

ITIN loans require a US taxpayer ID number. Foreign national loans are for buyers with no US tax presence at all.

Foreign National Loans in Gustine, CA