Question 1

Can I get a loan in Cupertino without a US credit score?

Accepted Answer

Yes. Foreign national lenders accept overseas credit reports and bank statements. A US credit score is not required.

Question 2

What visa types are accepted for foreign national loans?

Accepted Answer

It depends on the lender. Some accept any valid visa. Others restrict tourist or short-stay visas. We match you to the right lender.

Question 3

How much do I need to put down?

Accepted Answer

Most programs require 30–40% down. Larger down payments often unlock better rates. Rates vary by borrower profile and market conditions.

Question 4

Can I buy a rental property in Cupertino as a foreign national?

Accepted Answer

Yes. DSCR loans are often a strong fit. They qualify based on the property's rental income, not your personal income.

Question 5

Do I need a US bank account to apply?

Accepted Answer

Not always. But you'll need to document where your down payment and reserves are coming from. Foreign bank statements work.

Question 6

How long does the process take for foreign national loans?

Accepted Answer

Expect 30–45 days minimum. Document translation and international wire verification add time. Start early.

Foreign National Loans in Cupertino, CA