It is crucial that you shop around for a mortgage broker that can explore all your financial options and advice you properly. Mortgage brokers have access to many banks, private lenders and different programs.
Best of Luck,
Century 21 Tenace
I can provide you the list of few direct lenders who can meet your needs and offer you various loan program options. It is good to work with trusted lenders. Pre approval is a no cost no obligation process, you can shop and compare the terms and costs.
Feel free to contact me, all the best!
Cell: 949 748-9834
Realty ONE Group Irvine
I would highly recommend Pacific Homes Loans. Ask for Noah. They are a full service mortgage broker and have access to many loan programs. Pacific Home Loans 949-388-6349
Premier Ca Realty
Welcome to the USA! Depending on how long you have been here, you may have to wait six months in order to establish credit. After that, you can speak with any bank of your choice to see if they can pre-approve you for a loan. After you have been pre-approved, find a REALTORÂ® (real estate agent) that is willing to listen to your needs. I hope this helps.
If you are a Chinese customer, you should be able to get pre-approved at a Chinese bank such as Cathay Bank. They often do not require credit for foreign customers with large down payments.
I also know a few private mortgage brokers who can help you out and have worked with similar situations.
Please feel free to contact me at (310) 717-1321 or JamieTian@RodeoRE.com if you have any questions or would like me to refer a few mortgage brokers to you. I am fluent in Mandarin Chinese if that is easier for you.