Question 1

Can I buy property in Guadalupe without a US visa?

Accepted Answer

Yes. Foreign national loans don't require US residency or work authorization. You need a valid passport and proof of income from your home country to qualify.

Question 2

What down payment do I need as a foreign buyer in Santa Barbara County?

Accepted Answer

Most programs require 30-40% down for properties under $2M. Larger purchases or agricultural land may need 40-50% down depending on income documentation.

Question 3

Do I need US credit history for a foreign national loan?

Accepted Answer

No. Lenders use international credit reports or evaluate bank statements from your home country. US credit history helps but isn't required.

Question 4

Can I finance agricultural land near Guadalupe as a foreign buyer?

Accepted Answer

Yes, with documented crop income or a larger down payment. Lenders want to see established agricultural revenue or 45-50% down for raw land.

Question 5

How long does underwriting take for foreign national loans?

Accepted Answer

Expect 30-45 days. International document verification and translation add time compared to conventional loans that close in 21 days.

Foreign National Loans in Guadalupe: Property Access Without US Citizenship