Question 1

Do I need a US credit score to qualify?

Accepted Answer

No. Most foreign national programs don't require a US credit score. Lenders use your passport, visa, and foreign financial records instead.

Question 2

What visa types are accepted?

Accepted Answer

Accepted visa types vary by lender. H-1B, L-1, and E-2 visas are commonly approved. Some lenders accept tourist visa holders for investment purchases.

Question 3

How much do I need to put down in Mountain View?

Accepted Answer

Expect at least 25% down, often 30–40% for larger loan amounts. Higher down payments improve your approval odds significantly.

Question 4

Can I buy investment property as a foreign national?

Accepted Answer

Yes. DSCR loans are often a better fit for rental purchases. Qualification is based on property cash flow, not your personal income.

Question 5

How long does a foreign national loan take to close?

Accepted Answer

Plan for 45–60 days. Document gathering from overseas adds time. Starting early is critical in Mountain View's competitive market.

Question 6

Do I need a US bank account?

Accepted Answer

Not always. Many lenders accept foreign bank statements for reserves. A US account does make fund transfers and closing smoother.

Foreign National Loans in Mountain View, CA