I'm Australian. I've got a good deposit, can I get a mortgage over in the states for a property?

Asked by Richie, International Commerce Center, Laredo, TX Thu Nov 26, 2009

I'm Australian. I've got a good deposit for a mortgage. If I want to re-locate to the states, How do I or can I apply for a mortgage in the states?

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Jason Todd, Agent, Frisco, TX
Tue Oct 15, 2013
I work with a foreign investors group that could really make this process easy for you. Send me an email and I will be happy to help you.

Jason Todd

Web Reference:  http://ToddHomesForSale.com
0 votes
Richard- El…, Other Pro, Augusta, GA
Mon Oct 14, 2013
Foreign National Loans

Borrowers using TIN Okay
Borrowers with NO CREDIT SCORE
Borrowers with NO SSN
Foreign Nationals {Expatriate}- NO PASSPORT {Must have valid work visa or 30% Down}
70% LTV Purchases
65% LTV Rate & Term Refinance
50% LTV Cash Out {Possible higher if financials are up to par}
Multiple properties OKAY
Corporation purchasing and refinancing OKAY

Richard- El Bey
Avarice Investments
(706) 399-7813 cell
(678) 752-8062 Office
0 votes
Ashley, , Las Vegas, NV
Tue Dec 1, 2009
If that is too steep, then you can explore having a company managed/operated/owned (either one will do) by you ( a LLC, Corp, LLP, PC ) with existing foreign or domestic credit get the line of credit to close a home.
If you do not have this in place, then you need to pursue seeking a job - even if work history is ONE day & get a letter from that employer.
You will have to show financials and ability to pay.
I am in Las Vegas. I have a really good lender that can assist if you are interested.
Feel free to visit my website for more information on topics like this and review my credentials.
0 votes
Dallas Texas, Agent, Dallas, TN
Fri Nov 27, 2009
Best have your bank where you are located to work on securing a loan. US lenders do shy away currently from foreign home buyers, UNLESS you are cash buyer.

National Featured Realtor and Consultant, Texas Mortgage Loan Officer, Credit Repair Lecturer
Follow me on Twitter: http://twitter.com/Lynn911

0 votes
Bill Eckler, Agent, Venice, FL
Fri Nov 27, 2009
Because of the tightness currently involved with foreign borrowers, at this time we are recommending that our foreign national buyers explore making financial arrangements for funds in their native country and transferring these funds to the US for the transaction closing.

One of the benefits is that the transaction is handled here pretty much as a cash transaction.

Good luck
0 votes
Linda Grey, Agent, Port Orange, FL
Thu Nov 26, 2009
There are specific lenders that do financing for international residents, you should use a Realtor in the area when making a purchase and that Realtor should know who will handle loans for your situation and put you in touch with one. We see that often in Florida.
Web Reference:  http://www.TheBeachLady.com
0 votes
Cheryl McDon…, Agent, Stroudsburg, PA
Thu Nov 26, 2009
You have to have a more perminant residency in the US to obtain a mortgage. You should obtain a green card or if you are coming over on a work visa that may be suffiecient. I just worked with a buyer his first home was purchased about 8 yrs ago with a work visa. While purchasing his second home, in 2009, his visa expired and his green card was still in the processing stages. Even though he already owned a home in the states and has works here and has filed tax returns since he's been here. He uses some sort of permit he renews every year or 2 that give him permission to work in the states. The lender gave him an extremely difficult time, after he had many conversations and submitted several different forms to the lender they finally approved him. Good luck and check http://www.usimmigration.com for more information on residency.
Web Reference:  http://www.usimmigration.com
0 votes
Yes you can.
There is a local Las Vegas branch that lends to Australians. I know thise because we have many clients that we manage homes for in Las Vegas Nevada and we have referred them to this bank and or lender. There are also many hard money lenders that lend against real estate in Las Vegas Nevada,
Flag Fri Feb 13, 2015
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