Question 1

Can I buy in Palm Desert without a U.S. visa?

Accepted Answer

Some lenders will lend to foreign nationals on tourist visas. Requirements vary — we'll match you to a lender whose program fits your visa status.

Question 2

Do I need a U.S. bank account?

Accepted Answer

Not always, but you'll need to document your down payment funds. Most lenders require reserves to be in a U.S. account before closing.

Question 3

Can I use a foreign national loan to buy a rental property?

Accepted Answer

Yes. Many buyers use this program for investment properties. A DSCR loan may also work if the rental income supports the payment.

Question 4

How much can I borrow as a foreign national?

Accepted Answer

Loan limits depend on the lender and the property. Most foreign national programs go up to $2–3 million. Approval is not guaranteed.

Question 5

Is my income from outside the U.S. acceptable?

Accepted Answer

Yes. Lenders will review foreign pay stubs, tax returns, or bank statements. Translated and notarized documents are typically required.

Question 6

How long does a foreign national loan take to close?

Accepted Answer

Expect 45–60 days minimum. Document translation and international verification add time. Plan ahead if you have a purchase contract deadline.

Foreign National Loans in Palm Desert, CA