Question 1

Can I buy in Morgan Hill without a U.S. credit score?

Accepted Answer

Yes. Foreign national loans don't require U.S. credit history. Lenders use foreign credit reports, bank statements, or asset documentation instead.

Question 2

What visa types qualify for foreign national loans?

Accepted Answer

Most programs accept B1, B2, H-1B, L-1, E-2, and EB-5 visa holders. Eligibility varies by lender — visa type is one of the first things we check.

Question 3

How much do I need to put down in Santa Clara County?

Accepted Answer

Most foreign national programs require 30–40% down. Higher down payments can sometimes unlock better rates and fewer reserve requirements.

Question 4

Can I use foreign income to qualify?

Accepted Answer

Yes, but it needs to be documented. Most lenders want 1–2 years of foreign tax returns or bank statements, often with a CPA letter.

Question 5

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

Accepted Answer

No. ITIN loans are for borrowers with a U.S. tax ID. Foreign national loans serve buyers with no U.S. tax identity at all — different guidelines, different lenders.

Question 6

Can a foreign national buy a rental property in Morgan Hill?

Accepted Answer

Yes. DSCR loan programs are often a better fit for investment purchases. Qualification is based on rental income, not personal income.

Foreign National Loans in Morgan Hill, CA