Question 1

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

Accepted Answer

Yes, most lenders allow remote closing through mobile notaries or US embassies. You'll need apostilled documents from your home country and a US bank account opened beforehand.

Question 2

Do I need a US credit score?

Accepted Answer

No. Foreign national lenders ignore US credit entirely. They verify income through international bank statements and assess country-of-origin risk instead.

Question 3

What interest rate should I expect in Salinas?

Accepted Answer

Rates vary by borrower profile and market conditions. Expect 7.5-9.5% as of February 2026, depending on down payment size and property type.

Question 4

Can I use cryptocurrency as part of my down payment?

Accepted Answer

Select lenders now accept crypto as verified reserves and income qualification. The holdings must be held in exchanges that meet lender verification standards.

Question 5

How long does approval take?

Accepted Answer

Foreign national loans close in 30-45 days typically. Add 2-3 weeks if your documents need translation or apostille certification from non-English speaking countries.

Question 6

What happens if I want to rent out the Salinas property?

Accepted Answer

Most foreign national loans allow rentals immediately. Switch to a DSCR loan at refinance if the property generates strong rental income for better rates.

Foreign National Loans in Salinas: Financing Without US Citizenship