Question 1

Can I buy in Mission Viejo without a US credit score?

Accepted Answer

Yes. Most foreign national programs accept a foreign credit report or bank reference letter instead. You will not need a US credit history to qualify.

Question 2

What visa types are accepted for this loan?

Accepted Answer

Accepted visa types vary by lender. B-1, B-2, and certain investor visas are commonly approved. We match your visa type to lenders who accept it.

Question 3

How much down payment do I need in Orange County?

Accepted Answer

Most foreign national programs require at least 30% down. Some lenders require more depending on the property type and loan amount.

Question 4

Can I use this loan to buy a rental property?

Accepted Answer

Yes. Investment properties are a common use case. A DSCR loan may also work if the rental income supports the payment on its own.

Question 5

How long does a foreign national loan take to close?

Accepted Answer

Expect 45 to 60 days. Document collection from foreign institutions adds time. Starting early gives you the best chance of a clean close.

Question 6

Do I need a US bank account to get this loan?

Accepted Answer

Not always, but many lenders prefer it for closing funds and reserves. We will tell you upfront what each lender requires before you apply.

Foreign National Loans in Mission Viejo, CA