Question 1

Can I get a foreign national loan without visiting the US?

Accepted Answer

Yes, most lenders complete transactions remotely using notaries and digital signing. You never need to visit the property before closing if you're comfortable buying sight unseen.

Question 2

What down payment do I need as a foreign buyer in East Palo Alto?

Accepted Answer

Expect 30-40% down for most programs. Some lenders require 35% minimum regardless of credit score or asset level.

Question 3

How do lenders verify my income from another country?

Accepted Answer

They accept translated bank statements showing deposits and may request tax returns from your country. Verification focuses on liquid assets more than monthly income.

Question 4

Can I use cryptocurrency as proof of funds for reserves?

Accepted Answer

Select non-QM lenders now accept verified crypto holdings for reserves as of 2026. Not all programs allow this, so lender selection matters.

Question 5

What makes East Palo Alto attractive to foreign investors?

Accepted Answer

Proximity to Stanford, Meta, and the tech corridor creates stable rental demand. Foreign buyers view Silicon Valley real estate as long-term appreciation plays with strong fundamentals.

Foreign National Loans in East Palo Alto: Property Access for Non-US Citizens