Question 1

Can I get a foreign national loan with no US credit history?

Accepted Answer

Yes. Lenders use foreign credit reports or asset documentation instead. You don't need a US credit score to qualify.

Question 2

What visa types are accepted for foreign national loans in California?

Accepted Answer

Most lenders accept a wide range of visas, including B-1, B-2, E-2, and L-1. Terms vary by visa type and lender program.

Question 3

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

Accepted Answer

Expect a minimum of 30% down. Some lenders require more depending on property type and your documentation strength.

Question 4

Can a foreign national buy an investment property in Adelanto?

Accepted Answer

Yes, and Adelanto's rental market makes it a practical choice. A DSCR loan may also work if the property generates strong rental income.

Question 5

How long does a foreign national loan take to close?

Accepted Answer

Plan for 30-45 days minimum. Document translation and international verification add time versus a standard domestic loan.

Question 6

Do I need to be in the US to close on a foreign national loan?

Accepted Answer

Not always. Some lenders allow remote closings with a power of attorney. Confirm this requirement early with your broker.

Foreign National Loans in Adelanto, CA