Question 1

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

Accepted Answer

Yes, we can close entirely remotely using mobile notaries or US consulate services. You never need to enter the country to complete the purchase.

Question 2

Do I need an ITIN or Social Security Number?

Accepted Answer

No SSN or ITIN required. We use your passport number and foreign tax ID for identification throughout the loan process.

Question 3

What down payment do I need for a Big Bear rental property?

Accepted Answer

Investment properties require 30-40% down as a foreign national. Second homes need 25-30% if you'll use it personally part of the year.

Question 4

Can I use rental income from the Big Bear property to qualify?

Accepted Answer

Yes, lenders use projected rental income based on market rents. You'll need an appraisal showing rental comparables in the area.

Question 5

How long does a foreign national loan take in Big Bear?

Accepted Answer

Plan 45-60 days minimum. International document verification and Big Bear's vacation rental permit process add time over standard purchases.

Foreign National Loans for Big Bear Lake Mountain Properties