Question 1

Can I buy in Etna without a U.S. Social Security number?

Accepted Answer

Yes. Foreign national loans don't require an SSN. You qualify with a passport, visa, and foreign financial documents.

Question 2

What visa types are accepted for foreign national loans?

Accepted Answer

Most lenders accept valid non-immigrant visas. Each lender has different guidelines — this is one area where we compare programs carefully.

Question 3

How much do I need to put down in Siskiyou County?

Accepted Answer

Most foreign national programs require 25–30% down. Higher down payments often get better terms.

Question 4

Can I use this loan to buy a rental property in Etna?

Accepted Answer

Possibly — but a DSCR loan may be a cleaner fit for investment properties. We'll compare both programs for your situation.

Question 5

Are foreign national loan rates higher than conventional rates?

Accepted Answer

Yes, typically. Non-QM programs carry more risk for lenders. Rates vary by borrower profile and market conditions.

Question 6

Do I need a U.S. bank account to qualify?

Accepted Answer

Not always. Many lenders accept foreign bank statements. Asset documentation requirements vary by lender and program.

Foreign National Loans in Etna, CA — Buy Without a SSN