Question 1

Can I buy in Visalia without a US credit score?

Accepted Answer

Yes. Foreign national programs don't require US credit history. Lenders use foreign bank statements and asset verification instead.

Question 2

What visa types are accepted?

Accepted Answer

Most programs accept B-1, B-2, and investor visas. Requirements vary by lender, so checking program guidelines upfront matters.

Question 3

How much do I need to put down?

Accepted Answer

Expect 25-30% minimum. Some lenders require more depending on your country of origin and documentation strength.

Question 4

Can I buy an investment property, not just a primary home?

Accepted Answer

Yes. Investment purchases work well under DSCR programs if the property generates rental income. Your personal income becomes secondary.

Question 5

Do I need a US bank account to close?

Accepted Answer

Most lenders require one for the closing funds transfer. Opening a US account early in the process removes a common delay.

Question 6

How is income verified without US tax returns?

Accepted Answer

Lenders accept foreign bank statements and employer letters. Certified translations are required for all non-English documents.

Foreign National Loans in Visalia, CA