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Galt sits in Sacramento County — affordable by California standards. That makes it a real target for foreign nationals buying U.S. investment property.
These are non-QM loans. No Fannie Mae. No Freddie Mac. Private wholesale lenders set the rules, and those rules vary widely.
No
U.S. Credit Required
30–40%
Typical Down Payment
45–60 Days
Est. Close Timeline
Non-QM
Loan Type
12 Months
Reserves Required
Foreign National Loans in Galt
You do not need a Social Security number or U.S. credit history. Lenders qualify you on passport, visa status, and foreign asset documentation.
Most lenders want 30–40% down. Reserves matter a lot — expect to show 12 months of liquid assets after closing.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Galt.
Galt sits in Sacramento County — affordable by California standards. That makes it a real target for foreign nationals buying U.S. investment property.
These are non-QM loans. No Fannie Mae. No Freddie Mac. Private wholesale lenders set the rules, and those rules vary widely.
You do not need a Social Security number or U.S. credit history. Lenders qualify you on passport, visa status, and foreign asset documentation.
Retail banks rarely touch foreign national loans. Most deals go through private wholesale lenders with dedicated non-QM programs.
We work with 200+ wholesale lenders. That matters here — foreign national guidelines shift fast, and not every lender serves Sacramento County properties.
The biggest deal-killer I see: buyers show up with foreign bank statements and no U.S. account. Get a U.S. bank account open before you apply.
Visa type matters more than most buyers expect. B-1/B-2 visitors, E-2 investors, and H-1B workers each land differently with lenders.
If you have an ITIN number, an ITIN loan may get you better terms than a foreign national program. Worth comparing before you commit.
Planning to rent the property? A DSCR loan qualifies on rental income — not personal income. That can be easier for non-U.S. residents.
Galt is a smaller Sacramento County city. Appraisals can be conservative here — build that into your purchase price expectations.
As of April 2026, Sacramento County property taxes run roughly 1.1–1.25% of assessed value. Factor that into your cash flow if buying as a rental.
Yes. Foreign national loans don't require U.S. credit history. Lenders rely on your passport, visa, and foreign financial documents instead.
Most lenders accept investor and work visas. B-1/B-2 tourist visas are allowed by some lenders but not all — it depends on the program.
Expect 30–40% down on a foreign national loan. Some lenders require more depending on property type and visa status.
Yes, and a DSCR loan may actually be a better fit. It qualifies based on rental income, not your personal foreign income documents.
Budget 45–60 days minimum. Document translation, notarization, and lender review of foreign assets all add time.
Most lenders require it for fund verification and closing. Open one early — it can hold up approval if you wait.