Question 1

Can I get a foreign national loan without a U.S. credit score?

Accepted Answer

Yes. Lenders accept foreign credit reports or use asset-based qualification. You don't need a U.S. credit history.

Question 2

What visa types qualify for foreign national loans?

Accepted Answer

Most tourist, work, and investor visas are eligible. B1/B2, H-1B, and E-2 visas are common. Program rules vary by lender.

Question 3

How much do I need to put down in Yuba City?

Accepted Answer

Most foreign national programs require 30% down. Some lenders go up to 35-40% depending on documentation type.

Question 4

Can I buy a rental property with a foreign national loan?

Accepted Answer

Yes. Investment properties are common with this program. A DSCR loan may be a better fit — ask us to compare both.

Question 5

Are rates higher on foreign national loans?

Accepted Answer

Yes, typically higher than conventional. This is a non-QM product with more lender risk built into the pricing. Rates vary by borrower profile and market conditions.

Question 6

How long does closing take on a foreign national loan?

Accepted Answer

Plan for 45-60 days. Document verification and fund sourcing take longer than a standard loan.

Foreign National Loans in Yuba City, CA