Question 1

Can I buy in Livingston without a US credit score?

Accepted Answer

Yes. Foreign national programs don't require a US credit file. Lenders use alternative documentation like foreign bank statements and reference letters.

Question 2

What visa types qualify for these loans?

Accepted Answer

Many visa types work — B1, B2, E, H, L, and others. Each lender has their own approved list, so this depends on the program.

Question 3

How much do I need to put down?

Accepted Answer

Most foreign national programs require 25–30% down. Some lenders go higher based on your country of origin and documentation.

Question 4

Can I buy a rental property in Livingston as a foreign national?

Accepted Answer

Yes. A DSCR loan may actually be a better fit. It qualifies based on the property's rental income, not your personal financials.

Question 5

Do I need a US bank account to apply?

Accepted Answer

Not always, but it helps. Lenders want to trace your down payment funds. A US account makes the paper trail cleaner and faster.

Question 6

Are rates higher on foreign national loans?

Accepted Answer

Yes, typically higher than conventional loans. Rates vary by borrower profile and market conditions — the spread depends on your documentation strength.

Foreign National Loans in Livingston, CA