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Rancho Cordova draws international buyers. Sacramento County's relative affordability makes it a real alternative to Bay Area prices.
Foreign nationals can own investment property or a primary residence here. This loan type is built exactly for that scenario.
25–35%
Min Down Payment
6–12 months
Reserves Required
Not always
US Credit Required
30–45 days
Est. Close Time
Foreign National Loans in Rancho Cordova
Foreign national loans are non-QM — meaning they don't follow standard agency rules. Lenders set their own guidelines, and those vary widely.
Most lenders want a valid passport, a visa or entry document, and proof of income from your home country. Some accept asset-based qualification instead.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Rancho Cordova.
Rancho Cordova draws international buyers. Sacramento County's relative affordability makes it a real alternative to Bay Area prices.
Foreign nationals can own investment property or a primary residence here. This loan type is built exactly for that scenario.
Foreign national loans are non-QM — meaning they don't follow standard agency rules. Lenders set their own guidelines, and those vary widely.
Most retail banks won't touch foreign national loans. You need wholesale lenders with specific non-QM programs — and not all of them operate in California.
At SRK CAPITAL, we work with 200+ wholesale lenders. A meaningful number run active foreign national programs with Rancho Cordova-eligible properties.
Down payment is where most foreign national deals live or die. Expect 25–30% down as the floor. Some lenders push to 35% on investment purchases.
Reserves matter too. Lenders want to see 6–12 months of mortgage payments sitting in an account — ideally a US bank account before closing.
ITIN loans are a close alternative if you live in the US and have an IRS taxpayer number. Foreign national loans serve buyers who reside abroad.
DSCR loans are another path for investors — those qualify on rental income, not personal income. Some foreign nationals use DSCR to sidestep income documentation entirely.
Rancho Cordova has a growing tech and government services corridor. That drives rental demand — which makes foreign national investment purchases pencil out here.
Sacramento County recording offices are accustomed to international transactions. Title and escrow teams in the area handle foreign ownership regularly.
Many foreign national lenders don't require a US credit history. They use your foreign credit profile or asset documentation instead.
Yes. Investment purchases are common with this loan type. Some lenders qualify you on projected rental income rather than personal income.
Accepted visa types vary by lender. B1/B2, E, H, L, and O visas are commonly accepted. Some programs work with no US visa at all.
Most programs require 25–35% down. Higher down payments can improve your rate and approval odds significantly.
Yes. Lenders accept foreign income with documentation. Some require a translated and verified income letter from your employer or accountant.
Expect 30–45 days. Document translation and verification from overseas can add time — start gathering paperwork early.