Question 1

Can I buy in Loyalton without a US credit score?

Accepted Answer

Yes. Most foreign national programs use alternative credit history. International credit reports or bank references often substitute.

Question 2

What visa types are accepted for these loans?

Accepted Answer

It depends on the lender. B1, B2, and investor visas are commonly accepted. Some programs also allow tourist visa holders.

Question 3

Can I rent out the Loyalton property?

Accepted Answer

Many foreign national programs allow rentals. A DSCR loan may be a better fit if rental income is part of your plan.

Question 4

How long does closing take on a foreign national loan?

Accepted Answer

Expect 30–45 days minimum. Rural appraisals and international wire transfers both add time to the process.

Question 5

Do I need a US bank account to qualify?

Accepted Answer

Most lenders require funds in a US account at closing. Start that transfer early — wires from abroad can take weeks.

Foreign National Loans in Loyalton, CA