Question 1

Do I need a US Social Security Number to qualify?

Accepted Answer

No. Foreign national loan programs are built for buyers without an SSN or ITIN. Your passport and visa docs are the starting point.

Question 2

What down payment do foreign national loans require in California?

Accepted Answer

Most programs start at 30% down. Some lenders require more depending on visa type and reserve levels.

Question 3

Can I buy a rental property in San Buenaventura as a foreign national?

Accepted Answer

Yes. DSCR loans are often a better fit for income properties. We can compare foreign national and DSCR options side by side.

Question 4

How long does it take to close a foreign national loan?

Accepted Answer

Plan for 45-60 days. Document translation and international asset verification are the usual slowdowns.

Question 5

Will my foreign credit history be accepted?

Accepted Answer

Most non-QM lenders accept foreign credit reports. Some also allow no-credit-history files with stronger reserves and larger down payments.

Question 6

Can I buy in my foreign company's name?

Accepted Answer

Some lenders allow entity purchases, but it adds underwriting complexity. Disclose the ownership structure before you make an offer.

Foreign National Loans in San Buenaventura, CA