Question 1

Do I need to live in the U.S. to qualify?

Accepted Answer

No. Foreign national loans are designed for non-residents. You can purchase Cotati property while living abroad.

Question 2

What visa types are accepted?

Accepted Answer

Accepted visa types vary by lender. Many accept B1/B2, E, L, and O visas. We match you to lenders that fit your specific status.

Question 3

Can I use a foreign bank account to close?

Accepted Answer

Some lenders require a U.S. account for closing funds. Others accept international wire transfers. Confirm this early in the process.

Question 4

Is a U.S. credit score required?

Accepted Answer

No. Most foreign national programs skip the U.S. credit check entirely. Down payment and asset documentation carry the most weight.

Question 5

What property types qualify in Cotati?

Accepted Answer

Single-family homes and small multifamily properties are the most common. Condos may qualify depending on the lender and HOA profile.

Question 6

How long does the loan process take?

Accepted Answer

Foreign national loans typically take 30–45 days. Document translation and lender review add time. Start early and stay organized.

Foreign National Loans in Cotati, CA