Question 1

Do I need a US credit score to qualify?

Accepted Answer

No. Foreign national loans don't require US credit history. Lenders use your passport, visa, and foreign financial documents instead.

Question 2

Can I buy an Airbnb property as a foreign national?

Accepted Answer

Yes, but verify Twentynine Palms short-term rental permits first. A DSCR loan may actually be a better fit for income-producing properties.

Question 3

How much down payment do I need?

Accepted Answer

Expect 30-40% down. Higher down payments reduce lender risk and can improve your rate.

Question 4

Can I get a foreign national loan through a regular bank?

Accepted Answer

No. These are non-QM programs held by portfolio lenders. A broker with non-QM access is your best path.

Question 5

What visa types are eligible?

Accepted Answer

Most lender programs accept B1, B2, and other non-immigrant visas. Requirements vary — confirm your visa type before applying.

Foreign National Loans in Twentynine Palms, CA