Who it is for
- You live in Nebraska, Colorado, Iowa, Georgia, or Florida, or you are buying there, and your U.S. credit history is short or nonexistent.
- You can document income and the source of your down payment.
- You would rather hear “not this program” early than at the closing table.
How it usually works
- We ask about residency, the down payment’s source, and what credit history exists here or elsewhere.
- We take that picture to lenders whose guidelines match it, if any do.
- You get a document list that fits your file, which may include visas, foreign assets, or ITIN paperwork.
Read this before you get attached
- Foreign income and foreign assets are slower to underwrite.
- A large down payment does not erase every guideline.
- We will not invent a “newcomer program” that a lender has not agreed to.
Questions worth asking
- Do your lenders need a Social Security number, or will an ITIN be considered?
- What alternative credit will they accept, if any?
- How long should I expect this file to take compared with a standard W-2 loan?
Ask what documentation a lender will accept. We will not name an ITIN or alternative-credit program unless a lender will consider your file.