Question 1

Can I buy in Camarillo without a US credit score?

Accepted Answer

Yes. Foreign national loans don't require US credit history. Lenders use alternative documentation like bank records and asset verification instead.

Question 2

What visa types qualify for these loans?

Accepted Answer

Many visa types qualify, including B1/B2, E, L, and O visas. Program rules vary by lender — some are stricter than others.

Question 3

Can I buy as an investment property or only primary?

Accepted Answer

Most foreign national programs are designed for investment or second homes, not primary residences. A DSCR loan may also fit investment purchases.

Question 4

How long does closing take on a foreign national loan?

Accepted Answer

Expect 30–45 days minimum. International wire verification and document review add time — plan ahead.

Question 5

Do I need a US bank account?

Accepted Answer

Not always, but it helps. Lenders need to verify reserves. A US account or internationally verified foreign account both work with most programs.

Question 6

Are rates higher on foreign national loans?

Accepted Answer

Yes. These are non-QM loans — rates run above conventional. Rates vary by borrower profile and market conditions.

Foreign National Loans in Camarillo, CA