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nitrous_guy

Buying a house.... Question about title

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Filed: Timeline

Hi Guys, I recently received my 2 year conditional GC in August 2014.

Now we are looking into buying a house.

The issue is, my wife's credit history score is around the 500's, we are trying to improve on it.

I started working in May 2014, and I got approved for a pre-approved credit card at chase.

I recently checked my score on credit Karma, and it was around the 700's mark.

I always pay off my credit card, and use less than 9% of my total limit.

I was wondering, if I buy a house under my own name sometime next year, and when time comes to ROC, will this be seen as unacceptable, seeing that my wife possibly wont be on the house title, if her credit score is still low (We don't want to pay a higher interest rate)?

If we both go for a joint home loan, we both will be assessed individually and they will take the person's lowest score to give us a mortgage loan, i.e a higher interest rate, which we don't want.

We would still have joint utility bills under our names, shared accounts etc.

She is the petitioner, and I am the beneficiary.

Thanks

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Filed: Timeline

You can add your wife to the title by signing a quit claim deed. You can do this at closing on the house. It does not matter if her name is on the mortgage or not.

Thanks, so if I understand correctly, the mortgage can be under my name, and the title under her name?

Will signing a quitclaim deed, cost me money, or what is the process and how is it done at the closing of the house.

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Filed: Citizen (apr) Country: Romania
Timeline

My husband and I bought a house last year and did the same thing. Since he had no credit history and was still waiting on his green card to be approved, it was just easier not to include him on the loan. All we did was tell the mortgage company that we wanted both our names on the title, but only my name on the loan and it wasn't a problem. It didn't cost anything extra and it was all done as the normal part of the paper work at the time of closing. You will both have title or ownership of the house, but she won't have any financial responsibility for it.


K1 Visa                                                                 Adjustment of Status                                                             ROC

Service Center : California Service Center                        CIS Office : Kansas City MO Service Center                           California Service Center

Consulate : Bucharest, Romania

I-129F Sent : 2011-11-18                                 Date Filed : 2012-09-04 Date                            Filed: 2015-05-26

I-129F NOA1 : 2011-11-23                                      NOA Date : 2012-09-06                                                             NOA1 Date: 2015-05-28

I-129F RFE(s) : none                                              RFE(s) : NONE                                              RFE(s): NONE

I-129F NOA2 : 2012-04-12                                                 Bio. Appt. : 2012-10-03                                                              BIO. Appt.: 2015-09-15

NVC Received : 2012-04-26

NVC Left : 2012-05-10                                           EAD/AP Approved : 2012-11-08                             ROC APPROVED:2015-10-26      

Consulate Received : 2012-05-14                               EAD/AP Card Received : 2012-11-17                         Green card Received: 2015-11-04    

Packet 3 Received : 2012-05-17                                          Green card Approved : 2013-07-08                        NO INTERVIEW

Packet 3 Sent : 2012-05-20                                                    NO INTERVIEW

Interview Date : 2012-06-26                                                 Green Card Received : 2013-07-15

Interview Result : Approved                                                 

Visa Received : 2012-06-26                                                   

US Entry : 2012-07-05

Marriage : 2012-08-24

 

N-400 Naturalization:

04/25/2016 N-400 sent to USCIS AZ courier address thru FedEx

05/04/2106 NOA I-797 Receipt Notice Date
05/27/2016 Fingerprints Bio-metrics appointment date
06/08/2016 E-notification of interview scheduling
06/13/2016 Received official letter regarding interview
07/18/2016 Date of Interview
08/11/2016 Date Oath Ceremony
Field Office: Kansas City, MO

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Filed: Citizen (apr) Country: Romania
Timeline

But wont this cause a red flag for ROC?

That is why I put both of our names on the title.

It is correct that your spouse will assume none of the financial risk but will be an owner. If you think a divorce is likely in the future then not a good idea.

If you have a lot of other strong evidence of financial co-mingling then it wont be a big deal. For us, I knew we would need more evidence and I am confident enough in my relationship with my spouse that it wont' be a problem. My mortgage company was very helpful in discussing all the risks with me.


K1 Visa                                                                 Adjustment of Status                                                             ROC

Service Center : California Service Center                        CIS Office : Kansas City MO Service Center                           California Service Center

Consulate : Bucharest, Romania

I-129F Sent : 2011-11-18                                 Date Filed : 2012-09-04 Date                            Filed: 2015-05-26

I-129F NOA1 : 2011-11-23                                      NOA Date : 2012-09-06                                                             NOA1 Date: 2015-05-28

I-129F RFE(s) : none                                              RFE(s) : NONE                                              RFE(s): NONE

I-129F NOA2 : 2012-04-12                                                 Bio. Appt. : 2012-10-03                                                              BIO. Appt.: 2015-09-15

NVC Received : 2012-04-26

NVC Left : 2012-05-10                                           EAD/AP Approved : 2012-11-08                             ROC APPROVED:2015-10-26      

Consulate Received : 2012-05-14                               EAD/AP Card Received : 2012-11-17                         Green card Received: 2015-11-04    

Packet 3 Received : 2012-05-17                                          Green card Approved : 2013-07-08                        NO INTERVIEW

Packet 3 Sent : 2012-05-20                                                    NO INTERVIEW

Interview Date : 2012-06-26                                                 Green Card Received : 2013-07-15

Interview Result : Approved                                                 

Visa Received : 2012-06-26                                                   

US Entry : 2012-07-05

Marriage : 2012-08-24

 

N-400 Naturalization:

04/25/2016 N-400 sent to USCIS AZ courier address thru FedEx

05/04/2106 NOA I-797 Receipt Notice Date
05/27/2016 Fingerprints Bio-metrics appointment date
06/08/2016 E-notification of interview scheduling
06/13/2016 Received official letter regarding interview
07/18/2016 Date of Interview
08/11/2016 Date Oath Ceremony
Field Office: Kansas City, MO

event.png
 

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Filed: AOS (apr) Country: Argentina
Timeline

This is super informative.

Quick related question. I'm the USC and my husband's (non-USC) credit is the one we'll be using, however I am the primary breadwinner. I make around 80-90k a year (I'm a programmer), and he'll likely only be making 20-30k a year (blue collar job). We both want to invest in a multi-family, like a 2 or 3 family home as income property to pay the mortgage while we live in it. My credit was ruined from my divorce 5+ years ago, so is it possible to apply for a mortgage with HIS credit and MY income?

Edited by d3adc0d3

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2015-04-30] Mailed AOS Package!
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Filed: AOS (pnd) Country: China
Timeline

If you don't include her on the mortgage, then I'm not sure you can apply her income

and your income alone may have to be sufficient to qualify the loan.

Good luck.


10-04-2013 We met online
11-21-2013 We met in person in Shanghai for 2 weeks

12-13-2013 I-129F packet sent via express

12-19-2013 USCIS NOA #1 (text and email) received

12-24-2013 USCIS assigns Alien Registration Number
12-31-2013 USCIS NOA #1 hard copy received
06-02-2014 USCIS web site shows NOA #2 approval
06-06-2014 USCIS web site shows case sent to NVC

06-xx-2014 Fiancee acquired birth, marriage, and police certificates from local police station (wrong)

06-16-2014 NVC creates case with GUZ### number

06-19-2014 NVC sends case sent to Guangzhou, China
06-24-2014 Received packet 3 express mail from embassy
06-25-2014 Completed DS-160 and paid K1 visa fee

06-26-2014 Mailed packet 3 response back to Embassy

06-26-2014 Requested police certificate from Russian embassy

07-08-2014 Received packet 4 email from Embassy

07-17-2014 Picked up Russian police certificate

07-25-2014 Fiancee medical exam (received MMR & Varicella, but they missed required TD shot)

07-31-2014 Picked up medical exam reports

08-01-2014 Request (correct) birth, marriage, and police certificates from Notarial Service (GongZhengChu)

08-06-2014 Picked up birth, marriage, and police certificates from Notarial Service

08-14-2014 Passed Interview Guangzhou embassy

09-01-2014 Received passport, visa, & sealed envelope

09-13-2014 POE

09-17-2014 Went to CBP office to get (US entry) I-94 updated correctly

09-18-2014 Applied for Social Security Card
09-19-2014 Applied for Marriage License (via online)
09-25-2014 Received Social Security Card
09-30-2014 Picked up Marriage License
10-09-2014 Marriage by Justice of Peace
10-09-2014 Got Certified Marriage Certificate Copies
10-17-2014 Received a letter from SS office that they need the marriage license
10-09-2014 Applied to change the social security card name
10-24-2014 Went back to SS office to provide the marriage certificate documents again!!!
12-09-2014 Submitted AOS, EAD, and AP
12-16-2014 Received 16 emails and 16 text NOA messages
01-05-2015 Received Biometrics appointment letter for (01-12-2015)
01-12-2015 Had Biometrics (fingerprint & picture) - Required Marriage Certificate!!!
02-17-2015 EAD and AP is approved
02-23-2015 Received AP is approval letter
02-25-2015 Received EAD/AP combo card (expires 02/16/2016)
02-27-2015 Applied for SS card name change (they took her SS card)
02-27-2015 Driver's learner permit test was denied since the SS card was given to SS office for name change
03-17-2015 Received SS card with married name
03-17-2015 Started to change all her accounts to married name
03-23-2015 Received potential interview waiver letter
03-27-2015 DMV rejects learner's permit due to "legal status=pending" and vision test failure
04-05-2015 Vision test for learner's permit
04-06-2015 DPS sent us letter that DHS cleared my wife's status to acquire driver's license.
04-10-2015 Passed Driver Learner's Permit
04-22-2015 Received Driver Learner's Permit ID card (expires 02/16/2016)
08-27-2015 Green Card approved
08-31-2015 Received Green Card "Welcome Notice Was Mailed" letter
09-05-2015 Received Green card
10-26-2015 Passed Driver's License Road Test (on 3rd attempt)
11-03-2015 Received Driver's License (expires 02/16/2022)
11-06-2015 Applied to remove conditional work remark on SS card
11-23-2015 Received updated Social Security Card.
- - - - - - - - - - Pending Future Processing - - - - - - - - - -
05-27-2017 File 10 Year Green Card
08-27-2017 2 Year Green Card Expires
05-27-2018 File USC

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Filed: Citizen (apr) Country: Denmark
Timeline

But wont this cause a red flag for ROC?

If you are an actual real couple, it would be nearly impossible for you to be deported as a result of ROC. I've been around here a while and I've never seen a case, even when people have little to no evidence of this happening. Worse case scenario you get a Stokes interview, but if you are actually in a relationship this will be no problem.

As per our post-nuptial agreement, my husband's name is not on our house title. This is common enough in my social circle when one party comes to the marriage with alot more assets than the other that I would almost dare USCIS to make an issue out of it.

There is other evidence you can have of living together - mail addressed to both of you, driver's licenses, utilities, or even affidavits. You do really see often enough here that couples are living with their parents or only one person is on the lease or the title and this has never to my knowledge created an issue as long as other evidence was presented.

Edited by N-o-l-a

3/2/18  E-filed N-400 under 5 year rule

3/26/18 Biometrics

7/2019-12/2019 (Yes, 16- 21 months) Estimated time to interview MSP office.

 

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Filed: Timeline

If you are an actual real couple, it would be nearly impossible for you to be deported as a result of ROC. I've been around here a while and I've never seen a case, even when people have little to no evidence of this happening. Worse case scenario you get a Stokes interview, but if you are actually in a relationship this will be no problem.

As per our post-nuptial agreement, my husband's name is not on our house title. This is common enough in my social circle when one party comes to the marriage with alot more assets than the other that I would almost dare USCIS to make an issue out of it.

There is other evidence you can have of living together - mail addressed to both of you, driver's licenses, utilities, or even affidavits. You do really see often enough here that couples are living with their parents or only one person is on the lease or the title and this has never to my knowledge created an issue as long as other evidence was presented.

Thanks for this information, but what I am trying to say is, I am the beneficiary with a 2 year conditional GC.

Usually its the other way around, where the petitioner might now include the beneficiary name on the house together, but I am in a situation where I can get a home loan with my credit score, but I dont want to include her, as her score is bad and it will affect us in the long run.

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Filed: Citizen (apr) Country: Denmark
Timeline

Thanks for this information, but what I am trying to say is, I am the beneficiary with a 2 year conditional GC.

Usually its the other way around, where the petitioner might now include the beneficiary name on the house together, but I am in a situation where I can get a home loan with my credit score, but I dont want to include her, as her score is bad and it will affect us in the long run.

Any way you phrase it, it isn't going to matter, as long as you have proof of living together, financial co-mingling, etc. Do you have joint bank accounts? Are you beneficiaries on accounts and life insurance policies? Do you have any cars you could put jointly?

Off topic - but can she work on her score? It is unlucky that you are not the USC, my husband just got a credit report opened 2 months ago with a secured card and was able to partially piggy back off my score and has a 740 now.


3/2/18  E-filed N-400 under 5 year rule

3/26/18 Biometrics

7/2019-12/2019 (Yes, 16- 21 months) Estimated time to interview MSP office.

 

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Filed: Timeline

Any way you phrase it, it isn't going to matter, as long as you have proof of living together, financial co-mingling, etc. Do you have joint bank accounts? Are you beneficiaries on accounts and life insurance policies? Do you have any cars you could put jointly?

Off topic - but can she work on her score? It is unlucky that you are not the USC, my husband just got a credit report opened 2 months ago with a secured card and was able to partially piggy back off my score and has a 740 now.

She is working on her score, but it is way too low.

By the time her score comes up to 700's, it may be a while.

We have a car in both our names, we both have car insurance together we have joint bank accounts, we both have health insurance together, I have put her as a beneficiary on life insurance through my work, we have pics of travel taken together, we both have mail addressed to us going to our current mailing address, which is the same as our drivers license, we both are beneficiaries on each others 401k and we will both have utility bills under our names, once we buy a house.

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Her name being on the contracts or the title has no bearing on the loan. They are two separate things.

Yes her name can be on the title but not on the loan. We are doing that currently, even though my husband asks why. Because it's bit me in the butt before and I'm not doing that again. Eventually I will have a better paying job and will be helping with mortgage payments. As stated though, this is not really a ROC issue unless you're really really low on evidence, which it sounds like you're not.

To the other poster: No you cannot use the wife's income when the husband has the good credit (and vice versa) so at that point you have to apply jointly or wait for your credit to improve.


You have brains in your head. You have feet in your shoes. You can steer yourself any direction you choose.  - Dr. Seuss

 

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