I am looking to learn about banking policies in developed countries
that have interest rates significantly lower than the United States.
Can I as a US citizen get a loan in one of these countries? Can it be
unsecured/secured? Can I get a mortgage for US based property? Any
tips or pointers on how I can use non-US banks to get lower interest
rates on loans will be appreciated.

Just a free comment.
You MAY be able to get a loan from another country.  Banks there could
lend to a US resident, unsecured or secured, but it is fairly unlikely
that they would to an "average" person, since they recognize that they
are unfamiliar with the credit market, are not plug in to a credit
rating system that tells about credit card debt, etc., have misgivings
about US hire and fire at will practice, know that they are not
familiar with the legal system relating to debt collection and
security/mortgages, AND  - finally -  would find potential collection
efforts a great hassle.

You can easily get swiss mortage credit for buying commercial
properties in Switzerland and even in Germany.

See more information at my freelance yahoo-group:

http://finance.groups.yahoo.com/group/swiss_investors_club/messages