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West Sacramento sits across the river from California's capital. That location draws international buyers — investors, executives, and families relocating from abroad.
Foreign national loans are non-QM products. That means lenders set their own rules, and those rules vary a lot across our 200+ wholesale partners.
25–30%
Typical Down Payment
12 Months
Reserves Required
Not Required
US Credit Score
Non-QM
Loan Category
Foreign National Loans in West Sacramento
Most lenders want 30% down on a foreign national purchase. Some go to 25% for strong files, but don't count on it.
You'll need a valid passport and visa. Lenders also want 12 months of reserves — cash left over 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 West Sacramento.
West Sacramento sits across the river from California's capital. That location draws international buyers — investors, executives, and families relocating from abroad.
Foreign national loans are non-QM products. That means lenders set their own rules, and those rules vary a lot across our 200+ wholesale partners.
Most lenders want 30% down on a foreign national purchase. Some go to 25% for strong files, but don't count on it.
Most retail banks won't touch foreign national loans. This is a wholesale and portfolio lender product — exactly where we operate.
Rates run higher than conventional loans. Rates vary by borrower profile and market conditions, but expect a meaningful premium over standard pricing.
The biggest deal-killer we see? Buyers underestimate the reserve requirement. Have liquid assets documented and ready before you apply.
Foreign income is acceptable — but it must be documented. Bank statements, employer letters, and CPA letters all help build your file.
If you have an ITIN, you may qualify for ITIN loans instead. Those programs sometimes offer better pricing than a straight foreign national product.
Investors buying rental property should also look at DSCR loans. Those qualify on rental income — not personal income at all.
Yolo County properties are often priced below Sacramento County. That gives foreign national buyers more purchasing power with their larger down payments.
West Sacramento has active commercial and residential development. That attracts buyers from abroad looking for long-term value, not just a quick flip.
Yes. Foreign national loans don't require US credit history. Lenders use your passport, visa, and foreign financial documents instead.
Most visas work — B1, B2, E, H, L, O, and others. Lenders review visa status individually, so it depends on the file.
Possibly. Some lenders allow projected rental income. A DSCR loan may actually work better for pure investment purchases.
Plan for 25–30% down plus closing costs plus 12 months of reserves. This loan requires serious liquidity.
Yes. We have wholesale lenders that specialize in this product. We shop across those lenders to find the best fit for your situation.