Question 1

Can I buy in Exeter without a US credit score?

Accepted Answer

Yes. Foreign national loans don't require US credit history. Lenders use foreign bank references and asset documentation instead.

Question 2

What visa types are accepted?

Accepted Answer

Most lenders accept B1, B2, H-1B, and other valid visas. Visa type affects terms, so ask before assuming you qualify.

Question 3

How much do I need to put down in Tulare County?

Accepted Answer

Expect 25-30% down for foreign national loans. Lower down payment options are rare on this program.

Question 4

Can I rent out the Exeter property?

Accepted Answer

Yes, and if you plan to, a DSCR loan may fit better. It qualifies you on rental income, not personal income.

Question 5

How long does a foreign national loan take to close?

Accepted Answer

Plan for 30-45 days minimum. Foreign document collection adds time — start that process before you make an offer.

Foreign National Loans in Exeter, CA