Question 1

Can I get a foreign national loan in Atherton without visiting the United States?

Accepted Answer

Many lenders accommodate remote closings through power of attorney arrangements, though some require in-person signing. Early coordination with your lender and title company ensures smooth remote transaction processes.

Question 2

What down payment should I expect for Atherton foreign national loans?

Accepted Answer

Most lenders require 30-40% down for Atherton properties, with exact amounts varying by property use and loan amount. Investment properties typically require higher down payments than primary residences.

Question 3

How long does foreign national loan approval take in Atherton?

Accepted Answer

Timeline ranges from 45-60 days depending on documentation complexity and international verification requirements. Starting the process before property identification significantly reduces closing time.

Question 4

Do Atherton foreign national loans require US bank accounts?

Accepted Answer

Most lenders require establishing a US bank account for mortgage payments, though down payment funds can transfer internationally. Some lenders accept international bank account documentation for reserves and assets.

Question 5

Can I use foreign national financing for Atherton investment properties?

Accepted Answer

Yes, investment properties qualify for foreign national loans, often with higher down payment requirements than primary residences. DSCR programs may offer competitive alternatives for rental property financing.

Foreign National Loans in Atherton: Financing Premium Silicon Valley Real Estate for International Buyers