The qualifying ratios for FHA are 29% front Income vs payment and 41 % back or your total income + debt we call it DTI. Just keep these in mind while you are gaining verifyable employment in the market. As Joshua said If you get a job, and it is a salary position or even hourly, then the likelihood of you qualifying for a loan is great.
I totally agree with Joshua, without a steady income that can be verified, there will be no other options other than a hard money loan with interest rates in the double digits with at least 45% down. Those have mostly dried up.
Danielle and Barbara are correct in saying unless you have a job you will not be able to get a loan. Can you get a personal loan or line of Credit from a bank in your home country? I have had several clients take a line of credit out from a bank in there country and then negotiate here as a cash buyer. Or your other option is to use the cash you have saved up. Let me know if I can help.
Have a great day,
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Josh Lerette - The Tampa Bay Mortgage Pro
Innovative Mortgage, Inc.