Question 1

Can I buy in Buellton without a US Social Security number?

Accepted Answer

Yes. Foreign national loans don't require a SSN. You'll need a valid passport and visa documentation instead.

Question 2

What visa types are eligible for foreign national loans?

Accepted Answer

It depends on the lender. Some accept tourist visas. Others require B1, B2, or investor visas. We match you to the right lender.

Question 3

Can I use a foreign national loan to buy a rental in Buellton?

Accepted Answer

Yes. Some lenders allow it. A DSCR loan may also work and qualify you on the rental income instead of your personal income.

Question 4

How much do I need to put down as a foreign national buyer?

Accepted Answer

Most lenders require 30–40% down. Higher down payments offset the absence of US credit history. Rates vary by borrower profile and market conditions.

Question 5

Do I need a US bank account to get a foreign national loan?

Accepted Answer

Not always required, but it helps significantly. Many lenders want to see US-held reserves before they approve your file.

Question 6

How is a foreign national loan different from an ITIN loan?

Accepted Answer

ITIN loans are for borrowers who file US taxes using an Individual Taxpayer ID. Foreign national loans don't require any US tax history at all.

Foreign National Loans in Buellton, CA