Question 1

Can I get a foreign national loan without a US credit score?

Accepted Answer

Yes. Lenders use international credit reports or asset documentation instead. A US credit score is not required.

Question 2

What visa types are accepted for these loans?

Accepted Answer

Accepted visa types vary by lender. B1/B2 tourist visas are sometimes excluded — discuss your visa status before applying.

Question 3

How much do I need to put down in Santa Rosa?

Accepted Answer

Expect 25–30% down for most foreign national programs. Some lenders may require more depending on property type.

Question 4

Can I use rental income from the Santa Rosa property to qualify?

Accepted Answer

Some lenders allow DSCR qualification using the property's rental income. That removes the need to document foreign personal income.

Question 5

Is Santa Rosa a good area for foreign national investment?

Accepted Answer

Sonoma Wine Country draws consistent international interest. Consult a local real estate attorney on ownership structure before buying.

Question 6

How long does a foreign national loan take to close?

Accepted Answer

Plan for 45–60 days minimum. Document translation and international income verification add time to the process.

Foreign National Loans in Santa Rosa, CA