Question 1

Do I need to live in the US to get this loan?

Accepted Answer

No. Foreign National loans are designed for buyers living abroad. You do not need US residency to qualify.

Question 2

Can I buy a primary residence with a Foreign National loan?

Accepted Answer

Some lenders allow it, but most prefer investment or vacation properties. Expect stricter terms and fewer options for primary residence.

Question 3

What documents do foreign national borrowers need?

Accepted Answer

Expect to provide a valid passport, visa, foreign bank statements, and proof of income. Translated and notarized docs are typically required.

Question 4

How much do I need to put down in Lindsay?

Accepted Answer

Most Foreign National programs require 25-30% down. A few lenders go higher depending on property type and borrower profile.

Question 5

Is a Foreign National loan the same as an ITIN loan?

Accepted Answer

No. ITIN loans are for borrowers living in the US with a tax ID number. Foreign National loans are for buyers residing outside the US.

Question 6

Can I use rental income from the Lindsay property to qualify?

Accepted Answer

Some lenders allow projected rental income. A DSCR loan may be a better fit if rental income is your primary qualifying factor.

Foreign National Loans in Lindsay, CA