We are moving to vegas from canada as soon as my husband can find a job welding. We are pretty much starting

Asked by Mrs_reepa, 89110 Thu May 21, 2009

from scratch other then we will have a good chunk of money for a down payment on a house. he is american and i'm canadian. is it going to be really hard getting a mortgage. he has bad credt because of his ex wife

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Alvin King’s answer
Alvin King, Agent, Las Vegas, NV
Sun Jul 13, 2014
This is A question that we receive quite often. On many occasions, we find that the credit is not as negative as was thought to be. I have an excellent team that is willing to sit down and discuss this with you. Please use my contact information listed below, and we will be happy to explore your options.

Alvin King GRI, BA
Elite Realty
7942 W Sahara Ave
Las Vegas, NV 89117
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Brian J. Gra…, Agent, Las Vegas, NV
Mon Aug 17, 2009
I he has bad credit you can purchase as a foreign national with anywhere from 30-40% down.....since your husband is a US citizen he could go FHA w/only 3.5% down.....needs a credit score called FICO of about 640....
There are ways he can start building it back up. I have lenders that can help you!!!!!.....ck out my real estate blog re Canadians purchasing in Vegas at:


Brian Grady, Broker --Act 1 Realty 702-498-4508 email: quickresults@aol.com
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Damon Bottic…, Agent, Las Vegas, NV
Fri May 22, 2009
Talking to a lender will be the best place to start. You can begin the process online at:
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NICK NOLF, , Las Vegas, NV
Fri May 22, 2009
This will depend on what is bringing his credit score down and if there are ways to explain the negative marks. There are FHA programs out now that are more flexible depending on the lender/company used. If you have to buy as a "foreign national" (ie: not using his credit/nationality due to too low credit), then you will have to put 25-30% down. The best bet is to have his credit pulled, a full 3 score search.
Web Reference:  http://www.nicknolf.com
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