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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!

Edited by Lalabs13

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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.


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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. 


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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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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: CR-1 Submitted Online for Parent

04/21/20: NOA1 Issued online

04/27/20: NOA1 Received via postal mail

04/27/20: Touched

05/14/20: Touched 

05/15/20: Touched 

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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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