Question 1

Can I buy in Riverbank without a US visa?

Accepted Answer

Some programs allow foreign national purchases on a valid passport alone. Visa requirements vary by lender — we'll match you to the right one.

Question 2

How much do I need to put down?

Accepted Answer

Plan for 30% minimum. Some lenders require more based on your country of origin or the property type.

Question 3

Do I need a US bank account?

Accepted Answer

Not to apply — but you'll need one by closing. Funds wired from overseas must be properly sourced and seasoned.

Question 4

Can I use rental income to qualify?

Accepted Answer

Yes. If buying an investment property, a DSCR analysis using projected rent can satisfy income requirements on many programs.

Question 5

How are rates set on foreign national loans?

Accepted Answer

Rates are set by each non-QM lender individually. Rates vary by borrower profile and market conditions — we compare multiple lenders for you.

Question 6

Can I buy a property in Riverbank as a vacation home?

Accepted Answer

Yes. Foreign nationals can purchase primary residences, vacation homes, or investment properties. Each property type has different lender guidelines.

Foreign National Loans in Riverbank, CA