Question 1

Can I buy in Calistoga without a US credit score?

Accepted Answer

Yes. Foreign national loans are built for this. Most lenders accept foreign bank references or a credit report from your home country.

Question 2

What visa types are eligible for foreign national loans?

Accepted Answer

Most non-immigrant visas qualify. Lenders vary — some require a valid visa, others just need a passport and proof of foreign residence.

Question 3

Can I use a US LLC to purchase the property?

Accepted Answer

Many lenders allow entity purchases. It's common among international buyers who want ownership structure and liability protection.

Question 4

How much do I need to put down in Calistoga?

Accepted Answer

Expect 30–40% down for most foreign national programs. Higher down payments often unlock better rates and fewer documentation demands.

Question 5

Can rental income from the property help me qualify?

Accepted Answer

Some lenders will count projected short-term rental income. Napa County STR permit rules affect whether that income holds up in underwriting.

Question 6

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

Accepted Answer

ITIN loans require a US taxpayer ID and US tax history. Foreign national loans don't — they're built for buyers with no US financial footprint.

Foreign National Loans in Calistoga, CA