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hoangthaihuy

Financing a house with pending GC application

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The problem is not being a GC holder, the problem is having a credit rating. I would definitely explore the possibility if I were you. Start with non-profit mortgage entities in your state or city that often can put together financing for a 1st time home buyer that is even more favorable than an FHA loan. These non-profit entities often have home buying classes or advisors that can coach you on increasing your credit rating. Good luck.


Marriage: 2014-02-23
CR1 started : 2014-06-06
CR1 completed/POE : 2015-07-13
ROC started : 2017-04-14 - CSC

ROC interview/completed: 2018-08-16 - Albuquerque

N400 started: 2018-04-24

N400 interview: 2018-08-16 - Albuquerque

Oath ceremony: 2018-09-24 - Santa Fe

 

April 2017 I-751 Filers Spreadsheet

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3 minutes ago, Russ&Caro said:

The problem is not being a GC holder, the problem is having a credit rating. I would definitely explore the possibility if I were you. Start with non-profit mortgage entities in your state or city that often can put together financing for a 1st time home buyer that is even more favorable than an FHA loan. These non-profit entities often have home buying classes or advisors that can coach you on increasing your credit rating. Good luck.

Oh thanks for the input. I have been building credit for 4 years and my score is about 740. Just wondering if they would disqualify me due to not having a GC yet. Defo trying.

Edited by hoangthaihuy

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Then you're good to go! :dance:

 

No bar on GC holders obtaining a mortgage or buying real estate.


Marriage: 2014-02-23
CR1 started : 2014-06-06
CR1 completed/POE : 2015-07-13
ROC started : 2017-04-14 - CSC

ROC interview/completed: 2018-08-16 - Albuquerque

N400 started: 2018-04-24

N400 interview: 2018-08-16 - Albuquerque

Oath ceremony: 2018-09-24 - Santa Fe

 

April 2017 I-751 Filers Spreadsheet

https://docs.google.com/spreadsheets/d/1t335PrkwxPk7sRryv02NH3vrWHy0vlkBxjmPy5VYJO8/edit#gid=0

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On 11/5/2018 at 6:33 AM, hoangthaihuy said:

Oh thanks for the input. I have been building credit for 4 years and my score is about 740. Just wondering if they would disqualify me due to not having a GC yet. Defo trying.

Not a problem at all, I’ve had friends on both H and O visas get mortgages. The usual problem for new immigrants is not having 2 years of a credit rating (though even that can be overcome), so you’re good to go. 

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