Foreign National Loans in Utah
Foreign national mortgages let non-US residents purchase a second home or vacation property in the United States. No US credit history, no US tax returns, no Social Security Number — just a passport, visa or visa-waiver evidence, foreign credit reference, and verifiable reserves.
Utah at a glance
- Major metro
- Salt Lake City
- 2026 conforming loan limit (1-unit)
- $832,750 to $1,249,125
- High-cost counties
- Yes
- Active matching programs
- 1
Who it's for
Non-US residents purchasing vacation homes in resort markets (Florida, Arizona, California, Hawaii), foreign investors buying personal-use property they will not rent out, and dual citizens spending part of the year stateside.
Programs available in Utah
Frequently asked questions
Can a foreign national buy a primary residence?
Most foreign national programs are designed for second-home use. A few programs allow primary residence if the borrower can document US presence — typically with a valid long-term visa.
What's the minimum down payment?
20–25% on second-home purchase, 30%+ for purely investor-style cash-out. Programs vary.
How are reserves verified?
Funds are wired to a US bank account 30–60 days before closing and seasoned. A 30-day statement on the US account is typically acceptable.
Are mortgage rates higher for foreign nationals?
Yes, typically 0.5–1.5% above a comparable US-citizen second-home rate. The premium reflects the offshore credit and asset profile.
Get a rate for Utah
Pricing for Salt Lake City and the rest of Utah. No personal information required.
Get instant pricingToday's mortgage rates
Conventional
5.875%
5.906% APR
FHA
5.375%
5.405% APR
VA
5.375%
5.402% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.