Question 1

Can I get a foreign national loan without visiting the US?

Accepted Answer

Yes. We handle document signing through mobile notaries or US embassies abroad. Funds wire from your foreign bank directly to escrow.

Question 2

Do foreign national loans have prepayment penalties?

Accepted Answer

Most carry 3-5 year prepayment penalties. Lenders price these loans expecting to hold them long-term, so early payoff triggers fees.

Question 3

What interest rate should I expect in Vallejo?

Accepted Answer

Foreign national rates run 1.50-2.50% above conventional loans as of February 2026. Rates vary by borrower profile and market conditions.

Question 4

Which countries do Vallejo lenders restrict?

Accepted Answer

Most lenders exclude OFAC sanctioned countries and high-risk regions. We verify your passport country against lender matrices before application.

Question 5

Can I use cryptocurrency as part of my down payment?

Accepted Answer

Some lenders now accept verified crypto holdings as reserves. Down payments still require conversion to USD before closing.

Question 6

How long does underwriting take for foreign nationals?

Accepted Answer

Expect 30-45 days from application to closing. International document verification and foreign credit checks add two weeks versus domestic loans.

Foreign National Loans in Vallejo: Property Access Without US Citizenship