Question 1

Can I get a foreign national loan with no US credit history?

Accepted Answer

Yes. Lenders underwrite on assets and reserves, not US credit scores. You'll provide foreign bank statements and proof of funds instead.

Question 2

Do I need to visit the US to close on a Woodland property?

Accepted Answer

Not always. Some lenders allow remote online notarization or embassy closings. Your broker coordinates the closing logistics based on lender requirements.

Question 3

What interest rates should I expect on foreign national loans?

Accepted Answer

Rates vary by borrower profile and market conditions. Expect 1-3% above conventional rates depending on down payment size and reserves.

Question 4

Can I use cryptocurrency as part of my down payment?

Accepted Answer

Some lenders now accept verified crypto holdings as reserves, though most still require the down payment in US dollars. Requirements vary significantly by lender.

Question 5

How long does foreign national loan approval take in Woodland?

Accepted Answer

Plan 45-60 days from application to closing. International document verification and translation add time compared to standard loans.

Foreign National Loans in Woodland: Finance California Property Without US Citizenship