I am a certified relocation specialist with Coldwell Banker Gundaker (the market leader in real estate in the US) and about 30% of my buyers are relocating from Europe or South America, or other states within the US. Your case is not impossible to resolve as long as you have about 3-6 months for your relocation. I am experienced in establishing credit history for over-seas buyers through various networks of bankers and private mortgage brokers and I would be glad to share the steps you need to take and their contact information with you. Let me know what your time frame of moving is, where you are moving from, were you employed, or were you a business owner or home-maker during the 12 years abroad. I can get an answer on your particular situation within a week from today, 12-7-11. E-mail me at firstname.lastname@example.org.
You will need to establish some type of credit and a score. I have a great loan officer I can refer you to that will take the time to help you and counsel you with this and get you ready so that you can take advantage of the first time home buyer's tax credit. Just email me your contact info through my web site listed below and we can get started. I am very familiar with the Chesterfield area and look forward to helping you.