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Citrus Heights attracts buyers from outside the US. It offers lower entry prices than coastal California markets.
Foreign nationals can buy here without a green card or US credit history. The right loan program makes it possible.
30-40% typical
Down Payment
Not required
US Credit Score
Non-QM
Loan Category
Usually yes
Visa Required
Foreign National Loans in Citrus Heights
Most foreign national programs require 30-40% down. Lenders offset the risk with a larger equity cushion up front.
You'll need a valid passport, visa documentation, and proof of foreign income or assets. Some lenders require a US bank account.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Citrus Heights.
Citrus Heights attracts buyers from outside the US. It offers lower entry prices than coastal California markets.
Foreign nationals can buy here without a green card or US credit history. The right loan program makes it possible.
Most foreign national programs require 30-40% down. Lenders offset the risk with a larger equity cushion up front.
Foreign national loans are non-QM products. Most banks won't touch them — you need a wholesale lender that specializes in them.
We work with 200+ wholesale lenders. Several have dedicated foreign national programs with flexible income documentation.
The biggest deal-killer I see: buyers wait too long to sort out their documentation. Start gathering foreign bank statements early.
Currency conversion and wire transfer records matter to underwriters. Have a clear paper trail from your home country to your US account.
ITIN loans are worth comparing if you live part-time in the US. They have different income and credit requirements.
DSCR loans work if you're buying a rental property. The property's rent income qualifies you — not your personal income.
Citrus Heights sits in Sacramento County, away from the premium prices of coastal markets. That makes down payment requirements more manageable.
Sacramento has seen steady international buyer interest. Citrus Heights offers suburban stability with proximity to downtown Sacramento.
Most programs require a valid visa. Some lenders accept certain visa types only — ask your broker which apply to your situation.
No. Foreign national loans are designed for borrowers with no US credit history. Lenders use alternative documentation instead.
Expect 30-40% down on most foreign national programs. Higher down payments sometimes unlock better rates. Rates vary by borrower profile and market conditions.
Yes. Most foreign national programs accept foreign income with proper documentation. Bank statements and employer letters are commonly required.
Yes. A DSCR loan may be a better fit for investment properties. It qualifies you based on rental income, not personal income.
Foreign national programs aren't available at most retail banks. A broker with wholesale access finds lenders that actually close these deals.