Question 1

Can I buy in Loma Linda without a US credit score?

Accepted Answer

Yes. Foreign national loans don't require US credit history. Lenders use your passport, visa, foreign income docs, and asset statements instead.

Question 2

What visa types qualify for foreign national loans?

Accepted Answer

Most lenders accept B1/B2, E, L, O, and H visas. Some programs also work for buyers with no US visa — purely foreign nationals purchasing investment property.

Question 3

How much do I need to put down in Loma Linda?

Accepted Answer

Expect 30% minimum. Some lenders require 35-40% depending on your visa type, income documentation, and property use.

Question 4

Can I buy through an LLC as a foreign national?

Accepted Answer

Yes, but not all lenders allow it. Entity purchases require additional underwriting. Confirm lender approval before structuring your purchase this way.

Question 5

Are foreign national loan rates higher than conventional rates?

Accepted Answer

Yes. These are non-QM portfolio loans. Rates run above conventional benchmarks. Rates vary by borrower profile and market conditions.

Question 6

Does being near Loma Linda University Medical Center affect my loan?

Accepted Answer

The medical campus increases buyer competition, not loan rules. Moving quickly matters — have your docs ready before you make an offer.

Foreign National Loans in Loma Linda, CA