Question 1

Can a non-U.S. citizen buy property in Graeagle?

Accepted Answer

Yes. Foreign nationals can legally purchase U.S. real estate. You'll need the right loan program and a larger down payment than a conventional loan requires.

Question 2

How much do I need to put down as a foreign national?

Accepted Answer

Expect 30-40% down for most foreign national programs. The exact amount depends on the lender and your documentation.

Question 3

Do I need a U.S. credit score to qualify?

Accepted Answer

No. Foreign national loans are underwritten without a U.S. credit history. Lenders use foreign bank statements and references instead.

Question 4

Can I use a foreign national loan for a vacation rental?

Accepted Answer

Yes, but a DSCR loan may be a better fit. If the property earns rental income, DSCR underwriting often provides stronger terms.

Question 5

Are foreign national loans available through retail banks?

Accepted Answer

Rarely. These programs live in the wholesale lending space. A broker with access to multiple wholesale lenders is your best path.

Question 6

What documents do I need to apply?

Accepted Answer

Expect to provide a valid passport, visa docs, 12 months of foreign bank statements, and a bank reference letter from your home country.

Foreign National Loans in Graeagle, CA

Foreign National Loans in Graeagle, CA