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Sacramento attracts buyers from outside the US — investors, relocating professionals, and families planting roots in California.
Foreign national loans make ownership possible without US credit history or a Social Security number.
30% or more
Typical Down Payment
12+ months
Reserves Required
Not required
US Credit History
Non-QM / Portfolio
Loan Category
Foreign National Loans in Sacramento
Most lenders want 30% down, sometimes more. Loan-to-value limits are stricter than conventional loans.
You'll need a valid passport, visa documentation, and proof of foreign income or assets. Reserve requirements are typically 12 months or more.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Sacramento.
Sacramento attracts buyers from outside the US — investors, relocating professionals, and families planting roots in California.
Foreign national loans make ownership possible without US credit history or a Social Security number.
Most lenders want 30% down, sometimes more. Loan-to-value limits are stricter than conventional loans.
Most retail banks won't touch foreign national loans. This is a specialty product held by portfolio lenders and wholesale non-QM shops.
Rate premiums are real. Expect higher rates than a conventional loan. Rates vary by borrower profile and market conditions.
The biggest mistake I see: foreign nationals applying at a big bank and getting denied. These loans live in the wholesale non-QM market.
How you hold the property matters. LLC or personal name affects the loan program, rate, and docs required. Clarify that before you apply.
If you have an ITIN, an ITIN loan may offer better terms than a foreign national product. The qualification bar is different.
Buying as an investment? A DSCR loan qualifies on rental income — no personal income docs needed, foreign or domestic.
Sacramento draws international buyers from the Bay Area priced out of SF and Oakland. It's a real market for this product.
The Sacramento metro has active rental demand. Many foreign national buyers here target investment properties, not primary residences.
Yes. Foreign national loans don't require US credit history. Lenders use passport, visa docs, and foreign financial records instead.
Expect at least 30% down. Some lenders require more depending on the property type and your visa status.
Yes. Many Sacramento investors use this product for rentals. A DSCR loan may also be worth comparing if rental income is strong.
Accepted visa types vary by lender. B1, B2, and investor visas are common. Some lenders also work with buyers outside the US entirely.
Not always. Some lenders accept foreign bank statements for reserves and income. Your broker will know which lenders allow this.
It takes more time and documentation than a standard loan. Working with a broker who knows non-QM lenders makes a real difference.