Foreign National Loans · Washington · NMLS #1603937

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We compare 20+ wholesale lenders to find competitive foreign national rates in Washington. No credit pull. Pre-approval in 24 hours.

Step 1 of 5

What are you looking to do?

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Step 2 of 5

When do you want to close?

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What documentation do you have?

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Step 4 of 5

Estimated property value

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$450,000

$100K $1M $2M $3M+

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Where can a loan officer reach you?

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Foreign National Loans in Washington

What Washington buyers need to know

Washington's housing market is anchored by the Seattle-Bellevue tech corridor — one of the highest-wage and highest-priced metros in the country. King, Snohomish, and Pierce are designated high-balance counties, expanding conforming limits well above the national baseline.

Conforming limit (2026)

$806,500 ($1,209,750 in King, Pierce, Snohomish counties)

Top markets

Seattle · Spokane · Tacoma

Requirements

Foreign National Loan Eligibility in Washington

What you'll typically need to qualify.

Documentation

Passport + Visa

Valid passport and visa (or visa waiver-eligible country). Foreign credit reference letters from your home-country bank are accepted in lieu of a U.S. credit report.

Down Payment

25-30%

Most foreign national programs require 25-30% down. Stronger profiles can sometimes go to 20%.

Reserves

6-12 Months

6-12 months of mortgage payments held in a U.S. bank account at closing is typical.

Property Use

Second Home / Investment

1-4 unit residential or investment property. Primary-residence financing for non-residents is generally not eligible.

Lending Arena, NMLS #1603937. Licensed by the Washington State Department of Financial Institutions, Consumer Services Division, as a Consumer Loan Company. Equal Housing Lender. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. All loans are subject to credit and property approval.