Question 1

Can I buy in Grand Terrace without a US credit score?

Accepted Answer

Yes. Foreign national loans don't require US credit history. Lenders use passport docs, visa status, and reserves instead.

Question 2

What visa types qualify for foreign national loans?

Accepted Answer

Most programs accept B1/B2, E, H, L, and O visas. Some lenders also approve buyers with no US visa at all.

Question 3

How much do I need to put down in Grand Terrace?

Accepted Answer

Expect 25-30% down minimum. Stronger reserves can sometimes push that lower, depending on the lender's program.

Question 4

Can a foreign national buy a rental property here?

Accepted Answer

Yes. A DSCR loan may actually work better for rentals. The property's rent income qualifies the loan, not your personal income.

Question 5

Do I need a US bank account to get this loan?

Accepted Answer

Not always, but most lenders want to verify reserves in a US or internationally recognized institution. Ask your broker which accounts qualify.

Foreign National Loans in Grand Terrace, CA