Hello! I have lived overseas for 8 years & have no USA address or credit rating. How do I buy a home?

Sara Sommerville
Other/Just Looking
Wilson, NC

I want to move back home but am having difficulties as all internet forms require a USA address and phone, so I can't get a credit report or a pre-approved mortgage. Also they refuse to count my husband's income as he is English. ADVICE NEEDED, PLEASE? THANK YOU. Sara Sommerville

Answers (1)
Larry Story
Broker
Greensboro, NC
FIRST ANSWER

Sara,
I would reccomend that you speak with a lender directly instead of the internet. I have clients in the UK and Europe so while it is a bit more difficult it can be done. First off is Rocky Mount where you want to move to? Secondly your husband's income I understand he is English but, will his income continue if you relocate to the states? Depending on your financial situation would determine which lender I would reccomend. Of course your timetable for moving is also a factor. Another question would be are you wanting to buy now and then have it ready to close when you arrive? I reccomend of course that you come and actually view the properties to choose first. If know where it is you wish to relocate to then you can find yourself a qualified buyer's agent to help you in this type of a situation. Then they can help you contact directly a lender in their area. If you need help with getting an agent in a particular area I can give you a referral to a top agent anywhere in the US. I am in the Triad area of NC, Greensboro, Winston Salem, and High Point. So depending on your timetable and other factors it seems as if you need a contact on the ground where you intend to relocate to.

Hope this helps,

Tue Dec 30 2008, 15:00

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