Question 1

Can I get a foreign national loan without a US credit score?

Accepted Answer

Yes. Lenders accept foreign credit reports or alternative documentation. No US credit history is required.

Question 2

How much do I need to put down in Gonzales?

Accepted Answer

Most foreign national programs require at least 30% down. Some lenders go higher depending on property type.

Question 3

Can I use rental income from abroad to qualify?

Accepted Answer

Some lenders accept documented foreign rental income. Requirements vary — not every lender handles it the same way.

Question 4

Do I need to be physically present to close?

Accepted Answer

Not always. Some lenders allow power of attorney or remote notarization. Confirm this before you choose your lender.

Question 5

Is a foreign national loan the same as an ITIN loan?

Accepted Answer

No. ITIN loans are for borrowers with a US tax ID. Foreign national loans require no US tax history at all.

Question 6

What visa types are accepted for this program?

Accepted Answer

Most programs accept B1, B2, and other non-immigrant visas. Your visa type affects which lenders will approve you.

Foreign National Loans in Gonzales, CA