Dear Estela, Mia was right on with her answer, but I would like to embellish on it further. You would definitely have to have a down payment of 20% or more for the purchase. You will also have to have an employment contract for at least 3 years of continued employment here in the states. This is a speciality loan product so not all mortgage professionals will be able to assist you. If you have any further quezstions my contact information can be found at the site below.

You can purchase a house in New Jersey as a Foreign National, Certain International Banks do finance that type of a loans, They need documentation of your nationality, valid passport and Address in your country and a Larger down payment in order to finance more than 30% . Now this has been done with some international clients I have worked with in the Past and I do not know if you would qualify for this program. There is also a mortgage Crisis in the US at the moment so all previously approved mortgages may not be approved with the present conditions. For more info you can contact my e-mail at mia@villonrealty.com