Question 1

Can I use foreign income to qualify for a Los Altos Hills home?

Accepted Answer

Yes. Lenders accept employment letters, foreign tax returns, and bank statements from your home country. No US income or tax filing required for approval.

Question 2

What down payment do I need as a foreign national buyer?

Accepted Answer

Most lenders require 30-40% down for Los Altos Hills properties. The exact amount depends on loan size and whether you'll occupy or rent the property.

Question 3

Do I need a US credit score?

Accepted Answer

No. Lenders use foreign credit reports when available or approve without credit scoring. Your down payment and reserves carry more weight than credit history.

Question 4

Can I buy investment property or does it need to be my primary residence?

Accepted Answer

Both work. Investment properties typically require slightly higher down payments and rates, but many foreign buyers purchase Los Altos Hills homes as rentals successfully.

Question 5

How do lenders verify my foreign bank accounts and income?

Accepted Answer

They require bank statements showing balance history, translated if not in English. Income verification uses employment letters, foreign tax docs, or business financials depending on your situation.

Question 6

Can cryptocurrency count toward my down payment or reserves?

Accepted Answer

Select lenders now accept verified crypto holdings as reserves as of early 2026. Requirements vary by lender regarding how crypto is valued and documented.

Foreign National Loans in Los Altos Hills: Finance Silicon Valley Real Estate Without US Citizenship