Question 1

Can I get a foreign national loan without visiting the U.S.?

Accepted Answer

Yes. Closings can happen through power of attorney or mobile notary services that travel to your country. We coordinate remote closings regularly.

Question 2

What countries do lenders typically exclude?

Accepted Answer

Countries under U.S. sanctions face restrictions. Some lenders avoid certain regions due to documentation challenges. We check specific country acceptance when quoting rates.

Question 3

How do I prove foreign income without U.S. tax returns?

Accepted Answer

Bank statements showing regular deposits work for most lenders. Some accept employer letters or business financials with certified translations. Requirements vary by lender and income type.

Question 4

Are rates negotiable on foreign national loans?

Accepted Answer

Rates follow pricing sheets but larger down payments improve terms. Properties over $2M in Carmel sometimes qualify for portfolio programs with better pricing than standard guidelines.

Question 5

Can I use foreign property as collateral instead of cash down payment?

Accepted Answer

No. U.S. lenders require down payment from liquid accounts they can verify. You can borrow against foreign property separately but that debt counts against qualification.

Foreign National Loans in Carmel By The Sea — No U.S. Credit History Required