Question 1

Can I get a foreign national loan without visiting the US?

Accepted Answer

Yes, remote closings work with proper notarization and Power of Attorney arrangements. Most lenders allow this for foreign national borrowers.

Question 2

What documentation proves my foreign income?

Accepted Answer

Tax returns from your home country, employer letters, and bank statements showing regular deposits. Lenders accept documents in English or with certified translations.

Question 3

Do all lenders approve properties in San Benito County?

Accepted Answer

No — some lenders restrict foreign national loans to major metro counties. We match you with lenders who approve smaller California markets.

Question 4

How much larger is my down payment versus a US citizen?

Accepted Answer

Expect 30-40% down for foreign national loans versus 20% for conventional programs. The premium reflects lender risk on international borrowers.

Question 5

Can I finance an investment property as a foreign national?

Accepted Answer

Yes, though expect 35-45% down for investment properties. Primary residences and second homes require slightly less.

Foreign National Loans in San Juan Bautista — Finance California Real Estate Without US Citizenship