Question 1

Can I buy in San Francisco without a US credit score?

Accepted Answer

Yes. Foreign national programs are built for this. Lenders use assets, down payment size, and visa status instead.

Question 2

What visa types qualify for foreign national loans?

Accepted Answer

It depends on the lender. B1/B2, E, L, and O visas are common. Some lenders also approve buyers with no US visa at all.

Question 3

How much do I need to put down in San Francisco?

Accepted Answer

Most foreign national programs require 30% down. At San Francisco price levels, that's a significant cash requirement.

Question 4

Can I use foreign income to qualify?

Accepted Answer

Yes, many programs accept foreign income. You'll need documentation — often translated and verified by a third party.

Question 5

Are rates higher on foreign national loans?

Accepted Answer

Yes. Expect rates meaningfully above conventional pricing. Rates vary by borrower profile and market conditions.

Question 6

Can foreign nationals buy investment property in SF?

Accepted Answer

Yes. DSCR loans are often a better fit for rentals. Qualification is based on the property's income, not yours.

Foreign National Loans in San Francisco