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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.

To get a personalized quote, Phone 818-921-7053, Email: or
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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.

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

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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.

To get a personalized quote, Phone 818-921-7053, Email: or
Apply Now

People Are Saying

Chris Lambart
Chris Lambart
West Hills , CA
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I am so happy I found CalSun Mortgage. I was looking for a foreign national home loan and my old lender kept turning me down because of my backlog in documents. But CalSun Mortgage is so easy to work with and has all the services that helped me get my paperwork in order. They were able to get me approved with no problem at all!
Kevin Singh
Kevin Singh
Valley Village, CA
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I want to thank CalSun Mortgage for helping me out. I am not a native English speaker but they really took the time to make sure that I understand everything about my home loan and how it works. Thank you!
Natalie Page
Natalie Page
Canoga Park, CA
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I can't recommend CalSun Mortgage enough. I'm a foreign national, and the process of getting a home loan was a nightmare with all the paperwork required. But thanks to CalSun Mortgage, I've been able to turn my dream of owning a home into a reality. Their friendly staff helped me from start to finish and took great care of me at each step along the way.
Brian Walsh
Brian Walsh
N. Hollywood, CA
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I am a national of a foreign country, but I want to buy a home in the USA. I had been contemplating this for years before my personal timeline became more urgent and I decided to get on it. When I researched online for a company who could help me apply for a mortgage with my immigration status, I came across CalSun Mortgage. They have helped me work through the process and secure a home loan for foreign nationals with little paperwork requirements.
Dan Pullman
Dan PullmanSan Diego, CA
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I'm a foreign national and I was in search of a home loan. I found that CalSun Mortgage had the best rates and decided to move forward with them. Best decision I made in the home buying process.
Olivia Wallace
Olivia WallaceRiverside, CA
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I'm a mortgage broker and I work with a lot of foreign nationals. One of my clients was considering getting a loan from somewhere else, but I really pushed the benefits of working with CalSun Mortgage because they offer a great service for foreign national home loans. Some banks don't even give out loans to foreigners! These guys make it happen though.

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