Actually they can, because all lenders care about is ability to pay, not citizenship. Just as low income buyers with poor credit cannot get loans easily, foreign nationals with low/no credit will have the same issues. That said, these can be overcome by upping your down payment amount and/or lowering your overall purchase price. As Beth stated, you really need to speak directly with a lender to get advice for your specific situation. I recommend using Megan Aldridge with Regions Bank in West End, she's great! Her number is 615-748-2490.