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Getting Mortgage

By Lalabs13 in Moving to the US and Your New Life In America

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Lalabs13 Newbie

Lalabs13   1

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Good day! I've  been here in the US for a year now through spousal visa. Got my green card and everything, I work right after I got here. Now, me and my husband  are looking to buy a house and get a mortgage  for it ( we are currently  living in an apartment) We tried one lender in my town and got denied because  they need me to have a 2 yr work history. I don't know if there's  other lender or bank that will consider giving loan for someone  like me that just been here for a year? My husband and I  is working full time right now and have good credit scores. I dont know if anyone  has experience like mine here. Thank you!

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Just Paul Veteran

Just Paul   4,591

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12 minutes ago, Lalabs13 said:

Good day! I've  been here in the US for a year now through spousal visa. Got my green card and everything, I work right after I got here. Now, me and my husband  are looking to buy a house and get a mortgage  for it ( we are currently  living in an apartment) We tried one lender in my town and got denied because  they need me to have a 2 yr work history. I don't know if there's  other lender or bank that will consider giving loan for someone  like me that just been here for a year? My husband and I  is working full time right now and have good credit scores. I dont know if anyone  has experience like mine here. Thank you!

Try different mortgage companies and smaller community banks and credit unions.  You should be able to get financing as a new LPR.   We did for a rental property and put 20% down.  The first lender (Big bank) we tried said no, two more said yes.

March 2, 2018  Married In Hong Kong

April 30, 2018  Mary moves from the Philippines to Mexico, Husband has MX Permanent Residency

June 13, 2018 Mary receives Mexican Residency Card

June 15, 2018  I-130 DCF Appointment in Juarez  -  June 18, 2018  Approval E-Mail

August 2, 2018 Case Complete At Consulate

September 25, 2018 Interview in CDJ and Approved!

October 7, 2018 In the USA

October 27, 2018 Green Card received 

October 29, 2018 Applied for Social Security Card - November 5, 2018 Social Security Card received

November 6th, 2018 State ID Card Received, Applied for Global Entry - Feb 8,2019 Approved.

July 14, 2020 Removal of Conditions submitted by mail  July 12, 2021 Biometrics Completed

August 6, 2021 N-400 submitted by mail

September 7, 2021 I-751 Interview, Sept 8 Approved and Card Being Produced

October 21, 2021 N-400 Biometrics Completed  

November 30,2021  Interview, Approval and Oath

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April 6,2023 Legally Separated - Oh well

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onek Proficient

onek   306

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Filed: IR-5 Timeline
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On 4/22/2020 at 8:06 PM, Lalabs13 said:

Good day! I've  been here in the US for a year now through spousal visa. Got my green card and everything, I work right after I got here. Now, me and my husband  are looking to buy a house and get a mortgage  for it ( we are currently  living in an apartment) We tried one lender in my town and got denied because  they need me to have a 2 yr work history. I don't know if there's  other lender or bank that will consider giving loan for someone  like me that just been here for a year? My husband and I  is working full time right now and have good credit scores. I dont know if anyone  has experience like mine here. Thank you!

Try Zillow (or any other online lenders). They have marketplace where you fill in your basic information and based on that, they recommend companies which will most likely approve you for mortgage. They will do the search for you instead of you going from bank to bank. 

04/21/20: IR-5 Submitted Online 

04/21/20: NOA1 Issued online

04/27/20: NOA1 Received via postal mail from Texas Service Center

04/27/20: Touched

04/28/20: Case Transferred to California Service Center

05/14/20: Touched 

05/15/20: Touched 

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07/06/20: RFE Issued (not available online)

07/16/20: RFE Received in Mail

07/20/20: DNA Done in USA

08/09/20: RFE Partial Response Submitted Online

08/26/20: RFE Partial Response Submitted via mail

09/01/20: Touched

10/28/21: DNA test results Received by USCIS

11/12/21: NOA2

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Lalabs13 Newbie

Lalabs13   1

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8 minutes ago, nieprophsono said:

Three years ago my wife and I also applied for a green card and waited for it to be approved. And since I arrived on a work visa, so far I couldn’t rent normal housing, because there was not enough finance. Then our friends advised us to get out of this situation, namely, we advised to take a short-term loan from these guys https://credit-10.com/fi/yrityslaina/ I liked the low interest rates and reliability of this company, that's why we have been cooperating since then only with them. We got a green card a long time ago, we rented a cozy apartment, found a good job. Everything is fine)

Yes. We just got a mortgage from quicken loans now we are waiting for closing. Finally going to have a house we can call our own! We are supposed to move in next month. Thanks.

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onek Proficient

onek   306

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Filed: IR-5 Timeline
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7 hours ago, Lalabs13 said:

Yes. We just got a mortgage from quicken loans now we are waiting for closing. Finally going to have a house we can call our own! We are supposed to move in next month. Thanks.

Congratulations 

04/21/20: IR-5 Submitted Online 

04/21/20: NOA1 Issued online

04/27/20: NOA1 Received via postal mail from Texas Service Center

04/27/20: Touched

04/28/20: Case Transferred to California Service Center

05/14/20: Touched 

05/15/20: Touched 

07/01/20: Touched

07/06/20: Touched 

07/06/20: RFE Issued (not available online)

07/16/20: RFE Received in Mail

07/20/20: DNA Done in USA

08/09/20: RFE Partial Response Submitted Online

08/26/20: RFE Partial Response Submitted via mail

09/01/20: Touched

10/28/21: DNA test results Received by USCIS

11/12/21: NOA2

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ivantran85 Contributor

ivantran85   1

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So did you able get mortgage with only one year history of income. We are in the same boat like you too. 

How much did you put down? What is your rate if you dont mind tell us?

Thank you so much

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Lalabs13 Newbie

Lalabs13   1

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8 minutes ago, ivantran85 said:

So did you able get mortgage with only one year history of income. We are in the same boat like you too. 

How much did you put down? What is your rate if you dont mind tell us?

Thank you so much

Yes. It was a conventional type of loan (not so great 😕) but we need a house really soon, so we just go ahead and did it. We just put down 3% downpayment and interest rate is at 3.9 It is not that great again knowing rates are very low right now, but we don't  have money for a larger downpayment. If you have saved up more money for downpayment then they will give you better interest rate

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