Question 1

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

Accepted Answer

Yes, most lenders allow remote closing with notary services. Wire transfers and document notarization can happen from your home country.

Question 2

What down payment do foreign nationals need in San Bruno?

Accepted Answer

Expect 30-40% down for most programs. Some lenders offer 25% down with stronger credit profiles and larger reserve deposits.

Question 3

Do I need a US bank account for a foreign national mortgage?

Accepted Answer

You'll need one to close and make payments. Most lenders require it opened 60 days before closing with verified fund sources.

Question 4

Can I use cryptocurrency for my down payment?

Accepted Answer

Some non-QM lenders now accept verified crypto holdings for reserves and income. You'll need to liquidate crypto to US dollars for the actual down payment wire.

Question 5

How do foreign national loan rates compare in San Bruno?

Accepted Answer

Rates run 1.5-3% above conventional loans. Your down payment size and documentation quality drive the specific rate you receive.

Question 6

What property types qualify for foreign national loans?

Accepted Answer

Single-family homes, condos, and 2-4 unit properties work. Warrantable condos close faster than new construction or properties needing HOA approval.

Foreign National Loans in San Bruno: Finance Bay Area Property Without US Citizenship