Getting a loan through the big banks isn't likely without verifiable sources of income. I suggest you speak with a mortgage broker who may have access to smaller 'Mom & Pop' banks and individuals with financing resources. You mentioned putting 30-40% down, but did not mention a price range of homes in our North Dallas suburbs. You may also consider lowering the price of the home and seeing if you can find a home on which to do a cash purchase. Your options are a little more limited without your income showing on tax returns, but with an average home price of $140k in DFW, we are one of the most affordable parts of the country in which to make a home purchase.

Have a blessed day!
Ronda


Ronda Allen-Keith Dobbs Team
Realtor and Certified Purchasing Manager
RE/MAX Dallas Suburbs

I spoke with my lender and your income is not verifiable through your tax returns, it would be incredibly difficult for you to get a mortgage. The amount of money you are able to put down is basically irrelevant if you are unable to verify your income. However, there are other options. One way would be to have someone look at your tax returns, and also whether or not you own other properties, either residential or commercial can make a difference. Another option for you would be to go through your personal bank, and depending on your relationship with them you may be able to receive a loan through them.

If you would like to explore these options I would be more than happy to work with you and help you on the real estate end.

You definately should talk to a lender. However with what you are putting down, you should be in a good position.

The best thing you can do is talk to a mortgage professional directly. I can offer you the number of a few different ones. At 30 to 40% down there will definitely be options. If you are not being represented by a Realtor just yet let me offer my services. I am currently helping two buyers in that area and am familiar with the inventory. As an added plus I rebate 20% of my commission to you after closing as an added incentive.

Thanks
RJ
214-682-0598

Hello Mr. Wang,
This is Roxanne DeBerry with Keller Williams Realty. The key to this question is there a way to verify your income. Items like a Social Security Number or a Green Card would help. I have helped people who were from overseas purchase homes in the areas that you are interested in. I do have a loan officer that works with people that are from another country and wanting to purchase a home here in the U.S.

Once we get you in communication with my loan person then we can move forward on looking for you a home in the area of your choice. My team and I sell many homes in the cities that you are interested in and can be of help in finding you the home you desire.

If you would like to speak to me about helping you, please call me at 214-676-8040 and I will be happy to assist you. Thank you for using Trulia to contact the realtor community.

Roxanne

Qinglin,

I am working with a buyer now and his income is from overseas. I have a lender I can refer you to. My client works as a civilian overseas for an overseas company. Is this you, too? Would you like to be connected to this lender? After you are qualified then I would like to help you find your home.

Joan Coubarous
Keller Williams Realty
email:joancoubarous@kw.com
website: http://yourhomeconnection.yourkwagent.com
Direct: 817-542-8968

Happy to assist you
I am a Dallas realtor and loan officer “one stop for all your real estate services”

Direct Link you for additional search in those areas:
http://sites.google.com/site/dallasbankforeclosureslistings



CONTACT OUR OFFICE TODAY
972-699-9111
Lynn A. Crosby ~ National Featured Realtor
"...Specializing in Residential, Commercial Properties and Loans..."
Dallas Realtor, and Credit Repair Consultant -
The Michael Group - "Dallas Business Journal 07’ & 08' list top realtors"
Dallas Loan Officer -
Dallas Real Estate Office: (972) 699-9111
Dallas Real Estate Website: http://www.lynn911.com 60,000 listings Dallas homes for sale

Hello Qinglin,
You need to talk to the experienced Loan officer to share your situation and he will guide you through the process.
Kevin Clark:
Cell: 972-816-1210