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Foreign National loan require reserves of 12-months full debt service (including all payments, cars, etc. When pricing a Foreign National Loan, there is a specific rate adjustment‚. However, you do not need to also adjust for no Fico or second home‚these adjustments are built-in to the Foreign National Loan adjustment. Non-Permanent Resident Aliens (not a foreign national loan): The Foreign National loan borrower lives and works in the U. and is here on a VISA (L1, B1, etc.

Though the information was five years old, it still seemed highly relevant today.]