There is a work around for the fact that you have "no credit". Lenders can create alternate credit if you have a cell phone, pay rent, pay utilities, etc. The fact that you have "no tax return" is a little more difficult, but an be worked around if you are new to the work force and have paycheck stubs. The fact that you have not "landed a job" is what will prevent you from getting an FHA or conventional loan.
You did state that you have "a source of income from the country" you used to live in. There are lenders that will lend to foreign nationals based on their foreign income. The only problem is, they require 40-50% down payment. So if you can put that much down, contact me, and I will put you in touch with a great lender who might be able to help you out.
Dare to Dream.
Shel-lee Davis, QSCÂ®
Certified Distressed Property Expert â€“ CDPEÂ®
Short Sale & Foreclosure Resource â€“ SFRÂ®
Certified HAFA Specialist â€“ CHSÂ®
Your Real Estate Consultant for Life
RE/MAX Palos Verdes Realty