Question 1

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

Accepted Answer

Yes. Lenders use foreign credit references and bank statements instead. You don't need US credit history to qualify.

Question 2

What visa types are eligible for foreign national loans?

Accepted Answer

Most non-immigrant visas qualify. Eligible visa types vary by lender, so program matching matters here.

Question 3

How much do I need to put down in Napa County?

Accepted Answer

Expect 30–40% down minimum on most foreign national programs. High-value markets like Napa may push toward the higher end.

Question 4

Can I rent out my Yountville property on a foreign national loan?

Accepted Answer

Some programs allow it. If rental income is the plan, a DSCR loan may be a better fit than a foreign national program.

Question 5

How long does a foreign national loan take to close?

Accepted Answer

Plan for 30–45 days. Document collection from foreign sources is usually the biggest delay — start early.

Question 6

Do I need to be present in the US to close?

Accepted Answer

Not always. Some lenders allow remote closings or power of attorney. Check your specific lender's requirements upfront.

Foreign National Loans in Yountville, CA