Question 1

Do I need a US Social Security number to apply?

Accepted Answer

No. Foreign national loans don't require an SSN. You'll use your passport and foreign financial documents instead.

Question 2

Can I buy a rental property in Manteca as a foreign national?

Accepted Answer

Yes. Investment properties are common for this loan type. A DSCR loan may also work if the property generates rental income.

Question 3

How much do I need to put down?

Accepted Answer

Most foreign national programs require 30% or more. A few lenders go as low as 25% for strong borrower profiles.

Question 4

Can I use income earned outside the US to qualify?

Accepted Answer

Yes. Lenders accept foreign income, but you'll need documentation — pay stubs, bank statements, or employer letters translated to English.

Question 5

What visa types are accepted?

Accepted Answer

Accepted visa types vary by lender. B-1, B-2, and other non-immigrant visas are often eligible. We match you to the right lender for your visa.

Question 6

How long does a foreign national loan take to close?

Accepted Answer

Expect 30 to 45 days. Document collection and wire verification add time — start gathering paperwork before you make an offer.

Foreign National Loans in Manteca, CA