Question 1

Can I buy in Monte Sereno without a US credit score?

Accepted Answer

Yes. Foreign national lenders accept overseas credit reports or use asset-based qualification instead. No US score required.

Question 2

What visa types are eligible for these loans?

Accepted Answer

Eligibility depends on the lender. B-1, B-2, and non-immigrant visas are often accepted. Some lenders also work with buyers who hold no US visa.

Question 3

How much do I need to put down?

Accepted Answer

Most foreign national programs in this price range require 30–40% down. Higher down payments often unlock better rates. Rates vary by borrower profile and market conditions.

Question 4

Do I need to file US taxes to qualify?

Accepted Answer

No. Foreign national loans are designed for buyers with no US tax history. Income documentation comes from overseas sources.

Question 5

Can a foreign national buy investment property in Monte Sereno?

Accepted Answer

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

Question 6

How long does a foreign national loan take to close?

Accepted Answer

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

Foreign National Loans in Monte Sereno, CA