Question 1

Can I buy in Roseville without a US credit score?

Accepted Answer

Yes. Foreign national loans don't require US credit history. A foreign bank reference letter or home country credit report typically substitutes.

Question 2

What visa types are accepted?

Accepted Answer

B-1, B-2, and other non-immigrant visas are accepted by many lenders. Requirements vary — some lenders want remaining visa validity of 12+ months.

Question 3

How much do I need for a down payment?

Accepted Answer

Most foreign national loan programs require 25-30% down. Investment properties often require more, sometimes up to 35%.

Question 4

Can I use this loan to buy a rental property?

Accepted Answer

Yes, but LTV limits are tighter on investment properties. A DSCR loan may be worth comparing if the property cash-flows well.

Question 5

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

Accepted Answer

Not always. Some lenders allow remote closing with a power of attorney. Confirm this option early — not all lenders permit it.

Question 6

Can I hold the property in an LLC?

Accepted Answer

Some non-QM lenders allow LLC vesting for foreign nationals. This needs to be confirmed before structuring your purchase — it limits which lenders apply.

Foreign National Loans in Roseville, CA