Why do many people buy a home loan in the United States ? Because if possible, use borrowing instead of own funds as much as possible, so that you can make full use of the principle of financial leverage to maximize investment returns. Another advantage of buying a home loan in the United States is that interest and loan expenses can be deducted from personal income tax, so even high-income groups are willing to buy a home loan in the United States from the perspective of tax avoidance. So it is necessary to understand the process of applying for a home loan in the United States .
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In fact, in the United States, if you don’t have a green card or a citizen, you can buy a house loan in the United States. As long as your credit score is high enough, you have a stable income certificate of 2 years or more, work is stable, there is no job change before applying for a loan, and your usual account. No expenditure is greater than income, and you can pay a down payment. Generally speaking, it is no problem to apply for a US home loan.
Many places can apply for a home loan in the United States, because there are many institutions that issue mortgages in the United States. There are not only banks, but also many companies that specialize in buying loans from the United States. In addition to receiving face-to-face loan applications, these banks and companies also have telephone line services. As well as online services, it is very convenient to apply for a mortgage by phone or online. Huamei wins for your worry loan, the United States to buy a house was rejected, what should I do?
1. Poor credit: If your credit score is low, lenders may not want to work with you. If your credit history is not good, the loan company is still willing to work with you, which may raise interest rates or set conditions that are not good for you. Even if you have gone through bankruptcy or the house is being filmed, bad credit is not always impossible to change. You should check out the free annual credit report to make sure there are no errors. Then try to pay off the card debt and pay on time to help your credit scores rise. You can also check your credit score for free every month on the website Credit.com.
Second, the debts are not repaid: mortgage applicants with too much debt are often rejected. All lenders have a custom debt-to-income ratio, and if the ratio is outside the range that the industry wants to see, they will not approve the mortgage. If you have a lot of debt, it's best to pay off the debt first, or try to increase your income, and then apply for a mortgage.
Third, the expectation is unrealistic: Before applying for a mortgage, it is best to have a bottom for the mortgage that you may be eligible to apply for. Since affordability depends on a number of factors, when you start the process of applying for a mortgage, you should know how much you can afford.
4. Employment Concerns: As lenders strictly review the affordability of applicants for mortgages, you must have sufficient income and the right type of income. Operators often like to provide regular and consistent income work. If you are self-employed or rely on commission for a living, you may have to prove that you have earned money for at least two years. If your income is too fixed or there is a significant gap in your employment history, your application for a mortgage may be rejected.
Before you start applying for a mortgage, make sure that these variables don't cause you trouble, so you can speed up your application and increase your chances of becoming a homeowner. Consider reading a top-notch real estate book and then preparing your application to the lender.
[Good House Listing] Houston Dominion Villa - Golden Science House Cinco Ranch
The project is located in the western part of the Houston metropolitan area, the Katy City single-family villa in the West Energy Corridor, a large mature community, and the Kate Independent School District has numerous out-of-town public schools. The community is fully equipped, the environment is clean and energetic, there are many job opportunities, and the children's education is excellent. Many Chinese families working in Houston specifically cater to this community for their children's education. New in 2014, it offers fast-staying existing homes with a property tax rate of approximately 3.6% and a property fee of approximately $1325/year.
Gold Science Cinco Ranch · $380,000
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To the north of Highway 10, this section from Ring Road 8 to Katy is known as the “Energy Corridorâ€. Oil companies, engineering consultancy companies abound, British Petroleum (BP), Shell (Shell), Techpo, and Foster Wheeler. The oil industry has developed steadily, attracting a large number of petrochemical professionals to come to this position. It is natural to settle down in the nearby city of Katy. Click to view project details<<<
[Good Room Listing] San Francisco San Ramon Single Villa
The project is located in Gale Ranch -Avanti, a large new modern residential community in San Francisco, San Francisco (CA 94582). The average average house in San Ramon is 8–9% higher than in the same period in 2013. The proportion of Chinese in the total population has increased from 1-2% in 2002 to 7–8% in 2013.
San Ramon House , San Francisco , starting at $1.01 million
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Recommended reason: beautiful scenery, convenient transportation, first-class school, pleasant climate, noble community, novel house, shopping pleasure, birds and flowers. Named California's Garden City, it is the preferred city for North American Chinese and new immigrant families to settle in the Bay Area! Gale Ranch -Avanti is the famous Gale Ranch (almost all units in this community are built on the first floor of the guest suite) The only community in the community that offers two-story single-family villas, the biggest feature of which is the luxurious living room and kitchen. Click to view project details<<<
Project Advisory Hotline, 010-88553465
The article was compiled and reported by the home network editor.
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