Question 1

Can I buy in Palo Alto without a US credit score?

Accepted Answer

Yes. Foreign national loans don't require a US credit history. Lenders use your passport, visa status, and asset documentation instead.

Question 2

What visa types are accepted for foreign national loans?

Accepted Answer

It depends on the lender. E-2, L-1, and O-1 visas typically get the best terms. B-1/B-2 tourist visas face the most restrictions.

Question 3

How much do I need to put down in Palo Alto?

Accepted Answer

Most foreign national lenders require 30-40% down. Given Palo Alto prices, that's a significant cash requirement — plan ahead.

Question 4

Can I use foreign income to qualify?

Accepted Answer

Many lenders accept foreign income with proper documentation. A CPA letter or foreign employer verification letter usually works.

Question 5

Are these loans available for investment properties?

Accepted Answer

Yes. Foreign nationals can buy investment properties in Palo Alto. DSCR loans are often a strong alternative for rental purchases.

Question 6

How long does a foreign national loan take to close?

Accepted Answer

Expect 30-45 days minimum. Document collection from overseas adds time. Starting early is critical on these deals.

Foreign National Loans in Palo Alto, CA