Home Buying in Jacksonville>Question Details

Minh, Home Buyer in 29687

I plan on buying my first house ever in Jacksonville, Florida. My situation is this. I have been married to a

Asked by Minh, 29687 Fri Apr 10, 2009

US citizen 18 months ago and obtained my green card last month. I am currently applying for my first job in the US (no job for the moment) and obtained my first credit card ever from BoA this week (no credit history, I guess). My wife filed for a bankruptcy two years ago - before we got married - and completed it successfully last year. I will get the down payment for the house from my mother who lives in Italy and is Italian citizen, and the morgage through my cousin who lives in Jacksonville, FL and is US citizen.
Having practically no knowledge about such things as home buying, morgage and credit, i feel confused and am badly in need of advice. Will I and my wife be able to get our dream home? Will we get title on the house? How will mother gives or transfers to us the money for the down payment? Will my cousin be able to get the morgage for us through her banks?
I recently discovered Trulia web site and read so many insightful advices from you. I anxiously look forward to your help

Help the community by answering this question:



If you cannot show consistent income for the last 24 months, you will not be used in the qualification of the loan. Unless you were in school for the last 4 years you will not be able to explain the lack of employment history.

As far as your wife, she will not qualify until after 24months from the discharge of BK. If your cousin is a mortgage broker they should be able to guide you through this process.

Do NOT put money down on a contract until you see a reputable bank or give me a call and I will iron your situation out for you.
Good Luck!

Ryan Brandenburger
1 vote Thank Flag Link Sat Apr 11, 2009
Hi Minh,
I can assist you and direct you to others on my team as well to answer your questions. Email me at larry@jacksonvillehomes4u.com

Larry R. Atwell

websites http://www.jacksonvillehomes4u.com and http://www.facetoface4u.acnrep.com
0 votes Thank Flag Link Fri Apr 10, 2009
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