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Hi! My fiancee and I just our K1 Visa petition approved, and we are starting to think of purchasing a home once she arrives. 

 

My fiancee has no established credit (obviously) and has international student loans. Will this affect us getting preapproved for loans once we are married?

 

Any help is greatly appreciated! Thanks!

 

 

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Filed: AOS (apr) Country: Philippines
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17 minutes ago, Smoothieon said:

Hi! My fiancee and I just our K1 Visa petition approved, and we are starting to think of purchasing a home once she arrives. 

 

My fiancee has no established credit (obviously) and has international student loans. Will this affect us getting preapproved for loans once we are married?

 

Any help is greatly appreciated! Thanks!

 

 

Only if you do it jointly 


YMMV

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21 hours ago, Smoothieon said:

Hi! My fiancee and I just our K1 Visa petition approved, and we are starting to think of purchasing a home once she arrives. 

 

My fiancee has no established credit (obviously) and has international student loans. Will this affect us getting preapproved for loans once we are married?

 

Any help is greatly appreciated! Thanks!

 

 

I imagine it will be very difficult to get a mortgage with no credit rating.

 

I had no credit card for the first year I was in the USA (I always just used a debit card) and then when our car lease came up for renewal we decided to do it jointly. They rejected it as I had no credit rating, so we had to do it just in my wife's name. At that point I got a credit card, just spent 100 per month on it to build up a credit rating. Next time car came up 3 years later no problem with my credit rating.

The salesman at the car dealership knew that I was a recent immigrant and so my credit might get refused (I'd told him this), but his colleague who ran it had no idea, and told our salesman that it was weird because I didn't have a bad credit rating, I had no rating at all. He thought that this was unusual for someone in their 40s (he'd never seen it before) and deduced that I was probably on the witness protection scheme.


--- k1 visa ---
Texas Service Center (Abandon Hope All Ye Who Enter Here)
I-129F sent: 12 Aug 2014
I-129F NOA1: 15 Aug 2014
I-129F NOA2: 2 Mar 2015 (199 days from NOA1) **No RFEs!**
NVC Received: 19 Mar 2015
Case#, IIN, BIN assigned: 19 Mar 2015
NVC Left: 20 Mar 2015
Consultate Received: 23 Mar 2015
Package 3 Received: 26 Mar 2015
Medical: 10 Apr 2015
Packet 3 Sent: 10 Apr 2015
Packet 4 Received: 23 Apr 2015
Interview Date: 8 May 2015 (Approved!!!)
Visa Issued: 14 May 2015
Visa in Hand: 19 May 2015
Entry to USA: 5 Jun 2015
Married: 21 Jun 2015

---Adjustment of Status---
Sent I-485, I-131 and I-765: 7 Jul 2015
NOA1 for I-485, I-131 and I-765: 14 Jul 2015
Email notification that I-765 was approved: 12 Sep 2015
Email notification that I-131 was approved: 15 Sep 2015
Email notification that EAD/AP combo card was mailed: 15 Sep 2015
EAD and AP combo card received: 18 Sep 2015
Green Card Received: 3 Dec 2015 [ :)] Previous letter stated interview requirement was likely to be waived

 

---Removal of Conditions---
Sent I-751: 13 Oct 2017
NOA1 for I-751: 23 Oct 2017

Biometrics: 20 Nov 2017
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Green Card Received: 2 Jan 2019

 

-- Citizenship --
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Filed: K-1 Visa Country: Argentina
Timeline

I sell houses daily, if you have credit and income apply for the mortgage yourself, if you can get approved great, your future husband/wife can be on the title anyways and will sign some documents at the closing table.  

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Filed: AOS (apr) Country: Philippines
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1 hour ago, Jimmytho said:

I sell houses daily, if you have credit and income apply for the mortgage yourself, if you can get approved great, your future husband/wife can be on the title anyways and will sign some documents at the closing table.  

Might be true in some states, certainly not my state.  


YMMV

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Filed: K-1 Visa Country: Argentina
Timeline

That is true, try to speak with a Mortgage Loan Officer from your City to clear the question, but based on my experience just apply for the Mortgage yourself if you add your Fiance/Wife the lender will consider her credit score, income and debt. You can be approved by yourself and remember your future wife will not have permission to work in the US for a while. I just sold one with the Husband on the mortgage and the wife staying at home with the baby, the lender used only his information but as a legally married couple both parties are owners and will be in the title.

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Filed: Lift. Cond. (apr) Country: China
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Moved from K1 Process & Procedures to Moving to the US and Your New Life In America forum.


Our journey:

Spoiler

September 2007: Met online via social networking site (MySpace); began exchanging messages.
March 26, 2009: We become a couple!
September 10, 2009: Arrived for first meeting in-person!
June 17, 2010: Arrived for second in-person meeting and start of travel together to other areas of China!
June 21, 2010: Engaged!!!
September 1, 2010: Switched course from K1 to CR-1
December 8, 2010: Wedding date set; it will be on February 18, 2011!
February 9, 2011: Depart for China
February 11, 2011: Registered for marriage in Wuhan, officially married!!!
February 18, 2011: Wedding ceremony in Shiyan!!!
April 22, 2011: Mailed I-130 to Chicago
April 28, 2011: Received NOA1 via text/email, file routed to CSC (priority date April 25th)
April 29, 2011: Updated
May 3, 2011: Received NOA1 hardcopy in mail
July 26, 2011: Received NOA2 via text/email!!!
July 30, 2011: Received NOA2 hardcopy in mail
August 8, 2011: NVC received file
September 1, 2011: NVC case number assigned
September 2, 2011: AOS invoice received, OPTIN email for EP sent
September 7, 2011: Paid AOS bill (payment portal showed PAID on September 9, 2011)
September 8, 2011: OPTIN email accepted, GZO number assigned
September 10, 2011: Emailed AOS package
September 12, 2011: IV bill invoiced
September 13, 2011: Paid IV bill (payment portal showed PAID on September 14, 2011)
September 14, 2011: Emailed IV package
October 3, 2011: Emailed checklist response (checklist generated due to typo on Form DS-230)
October 6, 2011: Case complete at NVC
November 10, 2011: Interview - APPROVED!!!
December 7, 2011: POE - Sea-Tac Airport

September 17, 2013: Mailed I-751 to CSC

September 23, 2013: Received NOA1 in mail (receipt date September 19th)

October 16, 2013: Biometrics Appointment

January 28, 2014: Production of new Green Card ordered

February 3, 2014: New Green Card received; done with USCIS until fall of 2023*

 

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