Question 1

Can I buy in Farmersville without a US credit score?

Accepted Answer

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

Question 2

What visa types qualify for foreign national loans?

Accepted Answer

Most lenders accept B1, B2, and other non-immigrant visas. Some require a valid visa at closing. Confirm with your lender early.

Question 3

Can I finance an agricultural property in Tulare County?

Accepted Answer

Farm-use parcels are tough. Most lenders prefer residential properties. Stick to single-family or small residential lots.

Question 4

How much do I need to put down as a foreign national?

Accepted Answer

Expect 30-40% down minimum. Some lenders require more depending on your country of origin and documentation.

Question 5

Can I use a foreign LLC to purchase the property?

Accepted Answer

Some non-QM lenders allow it. Not all do. Your ownership structure needs to be decided before you apply — not after.

Question 6

Is Farmersville a good market for foreign national investors?

Accepted Answer

Lower prices and Central Valley rental demand make it viable. Debt coverage ratios are easier to hit at lower price points.

Foreign National Loans in Farmersville, CA