Question 1

Can I buy in Hollister without a U.S. credit score?

Accepted Answer

Yes. Foreign national lenders underwrite using international credit or asset verification. No U.S. credit file is required.

Question 2

What visa types are accepted?

Accepted Answer

Accepted visas vary by lender. B-1, B-2, and non-resident buyers are common. Some lenders exclude certain visa categories entirely.

Question 3

How much do I need to put down in Hollister?

Accepted Answer

Most foreign national programs require 30% down. Some lenders go higher depending on property type and visa status.

Question 4

Can I buy a rental property as a foreign national?

Accepted Answer

Yes. DSCR loans are often a better fit for rentals. They qualify on property cash flow, not personal income.

Question 5

Are rates higher for foreign national loans?

Accepted Answer

Rates are higher than conventional loans. Rates vary by borrower profile and market conditions — shopping lenders matters.

Question 6

How long does closing take in San Benito County?

Accepted Answer

Non-QM loans typically close in 30-45 days. Rural appraisal timelines in San Benito County can add days to that.

Foreign National Loans in Hollister, CA