Question 1

Can I buy in Los Gatos without a US credit score?

Accepted Answer

Yes. Foreign national programs don't require US credit history. Lenders use your passport, visa status, and foreign financial docs instead.

Question 2

What visa types are eligible for these loans?

Accepted Answer

Accepted visa types vary by lender. B1, B2, E, H, L, and O visas are commonly accepted — ask us what works for your specific status.

Question 3

How much do I need to put down in Los Gatos?

Accepted Answer

Most foreign national programs require 30–40% down. Given Los Gatos price points, prepare for a significant cash commitment at closing.

Question 4

Can I use a foreign bank account to qualify?

Accepted Answer

Yes, foreign asset statements are typically accepted for qualification. You'll usually need to open a US account before closing.

Question 5

Is a foreign national loan the same as an ITIN loan?

Accepted Answer

No. ITIN loans are for residents with a tax ID but no Social Security number. Foreign national loans serve buyers with no US tax or credit profile at all.

Question 6

Can I rent out the property I buy with this loan?

Accepted Answer

Many programs allow it. If rental income is your goal, a DSCR loan may actually be a stronger fit — we can compare both options for you.

Foreign National Loans in Los Gatos, CA