Question 1

Can I buy in Sand City without a US credit score?

Accepted Answer

Yes. Foreign national loans are built for this. Lenders use foreign credit reports or bank reference letters instead.

Question 2

How much do I need to put down?

Accepted Answer

Plan for 20-30% down minimum. Some lenders require more depending on property type and your country of origin.

Question 3

Can I buy through an LLC as a foreign national?

Accepted Answer

Some lenders allow it, others don't. This is exactly where working with a broker who knows each lender's rules pays off.

Question 4

Is a visa required to get this loan?

Accepted Answer

Not always. Many programs only require a valid passport. Visa type can affect terms, so disclose it upfront.

Question 5

How is a foreign national loan different from an ITIN loan?

Accepted Answer

ITIN loans are for borrowers with a US tax ID. Foreign national loans require no US identification — just foreign docs.

Question 6

Can I use this loan for a vacation home near Pebble Beach?

Accepted Answer

Yes, second homes are eligible. Lenders will verify you're not renting it out full-time, which changes the program.

Foreign National Loans in Sand City, CA