Question 1

Can I buy in Winters without a US Social Security number?

Accepted Answer

Yes. Foreign national loans don't require a SSN. Lenders use your passport and foreign financial documents to underwrite the loan.

Question 2

How much do I need to put down as a foreign buyer?

Accepted Answer

Most programs require at least 30% down. Some lenders go higher depending on your visa type and country of origin.

Question 3

Do I need to visit California to close the loan?

Accepted Answer

Not always. Some lenders allow remote closings with a notary abroad. Confirm this with your lender before you start the process.

Question 4

Can a foreign national buy agricultural land in Yolo County?

Accepted Answer

Loan eligibility depends on the property type and lender guidelines. Agricultural parcels may require a different loan structure than residential purchases.

Question 5

What visa types are accepted for foreign national loans?

Accepted Answer

Accepted visa types vary by lender. B1, B2, and other non-immigrant visas are often accepted, but some lenders have restrictions.

Question 6

Is a foreign national loan the same as an ITIN loan?

Accepted Answer

No. ITIN loans require a US Individual Taxpayer Identification Number. Foreign national loans are for buyers with no US tax identity at all.

Foreign National Loans in Winters, CA