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What is a Foreign National Home Loan?
A foreign national home loan, also known as a foreign national loan or non-permanent resident loan, is a type of loan that allows non-US citizens to buy real estate in the US. Home loans for foreign nationals cover primary residences and/or vacation properties for individuals who qualify as legal residents and have different qualifications and interest rates than a regular Fannie Mae or FHA loan.
Mortgage Refinance interest rates are affected by a borrower’s financial credentials.
CalSun Mortgage’s Home Loans for Foreign Nationals
If you’re a foreign national in the United States, buying real estate can seem like a nearly impossible task. CalSun Mortgage is here to help lighten your load and assist you in the hunt for a foreign national home loan that fits your situation.
With over 35 years of experience, a knowledgeable team, and solid connections in the California real estate market, CalSun Mortgage is prepared to fund the mortgage loan you need.


Efficiency, Simplicity, and Friendly Professional Service are the pillars and core of our organization. We are committed to deliver what we promised.

FAQ's
In America, both permanent and non-permanent residents can get mortgages, just like everyone else. They can even acquire home loans through the FHA, Fannie Mae, and Freddie Mac with as low as a 3% down payment.
An individual who is a citizen of a country other than the United States is referred to as a foreign national.
Permanent residents with a green card, as well as temporary residents with a work visa, are eligible for the same loans as citizens of the United States. You can still buy a property if you don’t have legal status in the United States.
Yes, the requirements for foreign national mortgages are different. A foreign national must live and work outside the United States and is not permitted to reside in the United States.
Additional restrictions for the foreign national mortgage loan include a maximum LTV of 70%, a 12-month reserve requirement, a 30-year fixed mortgage only, a loan sum up to $1,500,000 with a minimum of $75,000 guaranteed and seller concessions of up to 3%.
Yes, a bigger down payment for a Foreign National loan may be required, however, the percentage will vary depending on the borrower’s individual financial conditions.
Foreign nationals do not have as many loan choices as other residents, however, many banks and mortgage companies offer conventional and FHA home loans to non-U.S. citizens. Lenders that work with foreign nationals extensively tend to be more flexible with the documentation you need.
Helped to over 3000 borrowers to purchase and refinance their dream homes.
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