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I've been working abroad for the past 2 years. Is there a way I can purchase in the states?

by noelle_underwood628 from Lake Huntington, New York. Mar 3rd 2016 Reply


Justin Murray (JustinMurray)
#102 ranked lender in Illinois - 172 contributions

I just had this scenario recently and we were able to close on a very similar situation. Have you filed tax returns in the states while you were working abroad even if you didn't have any income? Also I would need to speak to you regarding who and what you were doing/working for while abroad. It is possible though - as long as you are back working in the states now. Again, more information and a conversation would need to take place regarding these matters to point you in the right direction. JMurray@WintrustMortgage.com / 312-256-4065 / Justin Murray

Mar 3rd 2016
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Joe Metzler (JoeMetzler)
#1 ranked lender in Minnesota - 3,524 contributions

Maybe... Too much missing information. Contact a local mortgage broker in your area. Give them a full application, and let they see if you will be OK, or if being out of the country will hurt you.

Mar 4th 2016
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Derick Condron (rightstartoregon)
#32 ranked lender in Oregon - 597 contributions

Would need a lot more information but if you are filing US federal taxes on the income there is probably a lender that can work with you to get a house.

Mar 4th 2016
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William J Acres (William_Acres)
#2 ranked lender in Arizona - 7,925 contributions

Your question is impossible to answer without much more info.. Do you file your income in US tax returns? What kind of supporting documentation do you have to prove income? W2? 1099? If not W2 or 1099, is the supporting documentation in English or another language? Is the currency in US dollars or foreign currency? Do you plan on living here in the US as your "Primary residence", or are you still working abroad? Are you changing employers? Etc, etc, etc... As I said, it's impossible for ANYONE to answer your question without knowing all the details.. The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

Mar 4th 2016
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Jesse Stroup (jessestroup)
#197 ranked lender in California - 591 contributions

Maybe, I would talk with a local banker for loan programs. Do you have a new job now that you are back in the state? They may want to see that.

Mar 4th 2016
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