Question 1

Can I buy in Windsor without a US credit score?

Accepted Answer

Yes. Foreign national loans accept foreign credit references and bank statements. You don't need a US credit history to qualify.

Question 2

What visa types are eligible?

Accepted Answer

Eligible visa types vary by lender. Many programs accept B1/B2, E, L, and O visas. We match you to a lender that fits your visa status.

Question 3

How much do I need to put down?

Accepted Answer

Plan for at least 30% down. Some lenders require more depending on property type and your country of origin.

Question 4

Can I use a foreign bank account for reserves?

Accepted Answer

Most lenders accept foreign bank statements for reserve verification. Funds must be documented and sourced. Translation may be required.

Question 5

Is this loan available for investment properties in Windsor?

Accepted Answer

Yes. Foreign national loans work for investment and second-home purchases. Windsor's rental market makes investment purchases common here.

Question 6

Do I need a US bank account to close?

Accepted Answer

Most lenders require US-based funds for closing. Opening a US account early in the process avoids last-minute delays.

Foreign National Loans in Windsor, CA