Question 1

Can I get a foreign national loan with no US credit history?

Accepted Answer

Yes. Lenders use foreign bank statements and assets instead. You don't need a US credit file to qualify.

Question 2

What visa types are accepted for foreign national loans?

Accepted Answer

Accepted visa types vary by lender. B1, B2, and other non-immigrant visas are commonly accepted. We match you to lenders based on your specific visa.

Question 3

How much do I need to put down in Tulelake?

Accepted Answer

Most foreign national programs require at least 30% down. Some lenders require more depending on property type and loan size.

Question 4

Can I buy farmland in Tulelake with a foreign national loan?

Accepted Answer

Possibly, but agricultural parcels require specialized appraisals. Not every lender will approve rural farmland — lender selection is critical.

Question 5

Is a DSCR loan better than a foreign national loan for rentals?

Accepted Answer

Often yes. DSCR qualifies on property rental income, not personal income. That's a simpler path for investment purchases.

Question 6

Do I need a US bank account to apply?

Accepted Answer

Not always. Many lenders accept foreign bank statements for reserves and income. A US account can make the process smoother though.

Foreign National Loans in Tulelake, CA