Question 1

Can I buy in Highland without a U.S. Social Security number?

Accepted Answer

Yes. Foreign national loans don't require an SSN. Lenders verify identity through passport and visa documentation instead.

Question 2

What visa types are eligible for foreign national loans?

Accepted Answer

Most programs accept non-immigrant visas including B1/B2, E, L, and O types. Some lenders also lend to buyers with no U.S. visa at all.

Question 3

How much do I need to put down in San Bernardino County?

Accepted Answer

Most foreign national programs require at least 30% down. Some lenders require 35-40% depending on your documentation tier.

Question 4

Can I use foreign income to qualify?

Accepted Answer

Yes — foreign income documented with bank statements or employer letters is accepted. Some programs skip income verification entirely and qualify on assets.

Question 5

Are foreign national loans available for investment properties in Highland?

Accepted Answer

Yes. Both primary residences and investment properties are eligible. A DSCR loan may be a better fit if the property will generate rental income.

Question 6

How long does a foreign national loan take to close?

Accepted Answer

Expect 30-45 days minimum. International wire transfers and document translation can add time — start the process early.

Foreign National Loans in Highland, CA