Question 1

Can I buy in Rohnert Park without a US visa?

Accepted Answer

Some lenders approve foreign nationals on a tourist visa. Requirements vary — a broker who knows this niche is essential.

Question 2

Do I need a US bank account to qualify?

Accepted Answer

Not always. Foreign bank statements are accepted by most foreign national lenders. A reference letter from your home bank helps.

Question 3

What down payment should I expect?

Accepted Answer

Plan for 25-30% down. Some lenders go higher depending on your country of origin and asset profile.

Question 4

Can I use rental income from the property to qualify?

Accepted Answer

Yes, if you pair this with a DSCR structure. Pure foreign national loans often qualify on assets alone.

Question 5

How long does a foreign national loan take to close?

Accepted Answer

30-45 days is typical. International document verification adds time — start early.

Question 6

Are rates higher than a conventional loan?

Accepted Answer

Yes. Foreign national loans carry a rate premium over conventional products. Rates vary by borrower profile and market conditions.

Foreign National Loans in Rohnert Park, CA