Question 1

Can I buy in Port Hueneme without a US credit score?

Accepted Answer

Yes. Foreign national programs use foreign credit references and bank reserves instead. US credit history is not required.

Question 2

What visa types qualify for foreign national loans?

Accepted Answer

Most investor and tourist visas qualify. Lenders focus more on asset documentation than visa type — ask us about your specific situation.

Question 3

How much do I need for a down payment?

Accepted Answer

Expect at least 30% down. Some lenders require 35-40% depending on your documentation profile and the property type.

Question 4

Can I use rental income to qualify?

Accepted Answer

On a DSCR loan, yes. On a standard foreign national program, lenders typically rely on assets and reserves rather than income.

Question 5

How long does closing take for foreign national loans?

Accepted Answer

Plan for 45-60 days. Document translation and international fund verification add time compared to standard loan closings.

Question 6

Do I need a US bank account to get this loan?

Accepted Answer

Most lenders require it. Opening a US account early makes the reserve verification process significantly faster and simpler.

Foreign National Loans in Port Hueneme, CA