Question 1

Can I buy in Davis without a U.S. credit score?

Accepted Answer

Yes. Foreign national loans underwrite on foreign credit and income docs. No U.S. credit history is required.

Question 2

What visa types are accepted for these loans?

Accepted Answer

It varies by lender. H-1B and J-1 visas are common at UC Davis — some lenders accept them, others don't. We check this before you apply.

Question 3

How much do I need to put down in Davis?

Accepted Answer

Expect 25-30% minimum for most foreign national programs. Higher down payments improve your approval odds.

Question 4

Do I need to be in the U.S. to close the loan?

Accepted Answer

Not always. Some lenders allow remote or power-of-attorney closings. Ask about this early in the process.

Question 5

Can foreign nationals buy investment properties in Davis?

Accepted Answer

Yes. A DSCR loan may actually be easier to qualify for on a rental property. It underwrites on rent income, not personal income.

Foreign National Loans in Davis, CA