Question 1

Can I get a foreign national loan without visiting the US?

Accepted Answer

Yes. Most lenders allow remote closings with notarized documents. Your loan can fund without you physically being in California.

Question 2

Which countries do Elk Grove lenders accept?

Accepted Answer

Most accept Canada, UK, Australia, and Western Europe easily. Other countries get case-by-case review depending on banking relationships.

Question 3

Do foreign national loans work for primary residences?

Accepted Answer

Rarely. Most lenders restrict these to investment properties and second homes. Primary residence requires work visa or green card.

Question 4

How much larger are foreign national loan rates?

Accepted Answer

Expect 1.5-3% above conventional rates as of February 2026. Rates vary by borrower profile and market conditions.

Question 5

What down payment gets the best rate in Elk Grove?

Accepted Answer

Putting 40% down typically gets you the lowest tier pricing. The gap between 25% and 40% down runs about 0.5-0.75%.

Foreign National Loans in Elk Grove: Purchase Property Without US Citizenship