Question 1

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

Accepted Answer

Yes, remote closings work with power of attorney. You'll need a US-based representative to sign documents and handle wire transfers at closing.

Question 2

What interest rate should I expect in Soledad?

Accepted Answer

Rates vary by borrower profile and market conditions. Expect 7-9% range with 30-40% down. Investment property rates run higher than owner-occupied purchases.

Question 3

Do I need a US bank account before applying?

Accepted Answer

You'll need one before closing to receive rental income and pay the mortgage. Most lenders want to see it funded 60 days before loan application.

Question 4

How does agricultural property affect approval?

Accepted Answer

Farm and ranch purchases get specialized underwriting. Lenders evaluate soil quality, water rights, and crop yield history alongside standard appraisal requirements.

Question 5

Can my cryptocurrency count toward down payment?

Accepted Answer

Select lenders now verify crypto holdings for reserves as of early 2026. The assets must stay in verified wallets throughout underwriting and won't count toward down payment itself.

Foreign National Loans in Soledad: Property Access Without US Citizenship