International Borrowers Mortgage Loans in United States

Closing a mortgage from another country as a non citizen of the United States on a castle, a house or a condo

When buying a home in the United States, foreign buyers often pay cash because it's an easier, quicker process. Foreign nationals can negotiate a lower price and faster closing with cash. We offer a cash out refinance within weeks after closing. The cost for a cash out refinance is slightly higher than a purchase money loan.

Mortgage rates are low in the United States. An international borrower will not get the same rate as a U. S. citizen with excellent credit buying an owner occupied home. There are risk pricing “adds” or pricing increases for non-owner or rental property, type of property, credit, and for foreign nationals. International buyers can opt to finance their purchase. Patience and understanding of the U. S. process is required. Buyers must supply all paperwork requested. Compile your asset and income information before you make offers into labeled pdf documents.

We can meet the increase in demand for a foreign national loans. Borrowers come from a wide range of countries, but most applicants are from China, Canada, Brazil and the United Kingdom.

We offer home loans to foreign buyers. This type of loan is available for your purchase or refinance. All loans are full recourse loans. The loan is taken in your personal name. Only on commercial property, 5-25 or more units are loans in the name of a LLC or Corporation.

When buying a condo in an existing development, buyers who are from Canada, China and South America are finding deals in California. We are willing to offer mortgages for international buyers. Condominium projects have their own requirements: 51 percent owner occupied, no lawsuits and solid financials. A good listing agent should know if a conventional loan or FHA loan was closed in the complex in the past sixty days. We can still loan on unwarranted condos but the rate is almost double.

Requirements to get a mortgage

A foreign buyer should expect to pay least 25 to 30 percent of the value of the home as a down payment, depending on property type and credit of the borrower. The borrower will be asked to provide documentation to show sufficient income in the past two years, bank statements for the past sixty days, paychecks for the past 30 days and two forms of identification, existing mortgage statements, HOA bills and existing fire insurance policies are required.

The foreign applicant should be aware that it is extremely important for the lending institution to know their borrower. This knowledge comes predominantly from paperwork. Information in other languages will require translation services.

The lender is required to conduct detailed reviews of a borrower's income and asset documentation. Bank statements will be verified with the home bank, and deposits over five hundred dollars that are not payroll must be provided with a history of where the deposits came from. Business accounts are not used the same as personal accounts. If all the funds are in business accounts an accountant will need to write a letter stating the withdrawal of the funds in no way harms the ongoing business. Some of the requirements of American lenders may seem strange and difficult. Having a loan officer such as Caroline Gerardo who is closing these types of loans for twenty five years will enable smart and quick answers to your questions.

Underwriting Review is looking for transparency from borrowers, getting an understanding of how income and wealth is generated why financial assets may transfer around. It is best to be detailed and frank about your situation before you apply.

Online mortgage application starts here: http://eaglehomemortgage.com/carolinegerardo/
I am here to answer your questions.

NMLS 324982

phone (949) 637-8190

Efax: 885- 833- 4303

 Edward Hopper

Thomas Seawell Front Door

Niche Mortgage Birdhouse or Castle

How to Close your Problem Mortgage?

ceramic house

Not all houses are the same. Bird houses are each special as well.

Perhaps you went to a bank and they aren't answering your calls?

Perhaps they told your they can't help you with a loan?

We have special niche products to fit your needs.

Eagle Home Mortgage is owned by Lennar Homes

Because we are not a bank, we offer a greater

variety of loan products to help Realtors, Real Estate

Agents, Borrowers and Home Buyers close on time

with the product they want. If you are buying a tiny

birdhouse, a six million dollar home or commercial

project – we have the loan solution for you.

A brief list of some of the out of the box products:

Call and speak with C. G. to fix your stalled or broken deal

wood bird house

- Foreign National Loans, ITIN loans

- Condo/Hotel Loans

- Condos not warrant-able with low owner occupancy or lawsuits

- Financing for more than 10 properties

- Investor products

- Spec. Construction

_ Owner Builder Construction

- Loans closed in a corporation or LLC.

- Grants Gifts MCC CHDAP CHAFA

- Jumbo, Super Jumbo

- FHA 203k remodel

- Reverse Mortgage

- Cooperative

- VA – VA IRRL Streamline

- Higher Debt To Income Ratios

- Fannie DU Refinance

_ Freddie Mac

- Cross Collateralization loans when Borrower

has not sold current residence but finds the

Dream property

I have been a lender twenty five years.

My team can close you quickly

We have in office Underwriters, in office Funding and

in office Document drawing.

What does that mean?

No shipping your file to Minnesota.

No limbo wait turn time.

Experience that will find solutions.

Call me (949) 784- 9699

NMLS #324982

Wooden bird house 

handmade bird house

barn style bird house

Foreign National Mortgage

   

Beach house patio

FOREIGN NATIONAL MORTGAGE LOANS ON U S PROPERTIES UP TO FIVE MILLION DOLLARS, and higher case by case
Investment homes, second homes, beach house

Foreign Nationals Canadians Chinese Buy US properties

Caroline Gerardo Loan Officer NMLS #324982 Cell 949-637-8190 Office 949-784-9699 eFax 855-883-4303 http://cgbarbeau.blogspot.com/ www.eaglehomemortgage.com/carolinegerardo/ Committed to Seeing You Home. Eagle Home Mortgage 8105 Irvine Center Drive Suite #500 Irvine CA 92618 NMLS #849059 CA #813I609 Universal American Mortgage Company of California, dba Eagle Home Mortgage of California. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. RMLA #4130383, NMLS #252392. Certain restrictions apply. This is not a commitment to lend. Applicants must qualify. copyright 2014 information was sent by: Caroline Gerardo | 8105 Irvine Center Drive #500, Irvine, CA 92618

Foreign National Mortgage Loans

Laguna Beach window

 

FOREIGN NATIONAL MORTGAGE PROGRAM

An intricate part of providing a comprehensive

portfolio product line is offering mortgage loans

to Canadians, Europeans, Australians and anyone from

a country of residence that is not OLFAC restricted.

These transactions can be complex and require

a Borrower to organize documentation in pdf

formats to be able to easily supply information.

My experienced underwriting and processing teams

will assist you, on a loan by loan basis, through the steps to

acquire the appropriate documentation.

 

FOREIGN NATIONALS

•The borrower is not required to have a Social Security

number, Green Card or visa.

•No FICO score is required. We will accept foreign

credit reports to demonstrate credit worthiness or

satisfactory alternate credit, from country of origin.

•Second Home: 60% LTV to 2 million, 55% LTV to

$3 million, and 50% LTV to $5 million.

•Interest only is available.

•Income documentation is required.

•IF Borrowers have time, they can establish a FICO score

  By opening secured cards

•If the documentation is in a foreign language, it needs

•A valid passport and a second form of ID is required.

•Loan amounts up to $5,000,000. We will consider

loan amounts over $5,000,000 on a case by case basis.

If the borrower has a Green Card or Visa: 70% LTV to $1 million.

DIFFERENCE

•We specialize in Jumbo ARMs

•Portfolio Lender

•Expanded Guidelines: Loan amounts to $5,000,000

•Exception Lending: Simple process and quick turn-around

 

外籍人士按揭計劃


提供全面的複雜的一部分


組合產品線，提供按揭貸款


加拿大人，歐洲人，澳大利亞人和任何人


居住的國家，是不是OLFAC限制。


這些交易可能會非常複雜，需要


借款人來組織文檔的pdf


格式可以輕鬆地提供信息。


我的經驗豐富的承保和加工團隊


會協助您，在貸款按貸款的基礎上，通過步驟


獲取相應的文檔。






外國公民


•不要求借款人有一個社會保障


數，綠卡或簽證。


•無需FICO評分。我們將接受外國


信用報告，以證明信用或


滿意備用信貸，從原籍國。


•第二個家： 60 ％按揭成數至200萬， 55 ％為按揭成數


300萬美元和50 ％按揭成數至5萬美元。


•唯一的興趣是可用的。


•需要收入證明文件。


•如果借款人有時間，他們可以建立一個FICO評分



打開固定卡


•如果文件是外文的，它需要


•有效的護照和ID的第二種形式是必要的。


•貸款金額高達500萬美元。我們會考慮


貸款按個別金額超過對案件500萬美元。


如果借款人有綠卡或簽證： 70 ％按揭成數至100萬美元。


差異


•我們專注於ARM的珍寶


•貸款人組合


•擴展的準則：貸款金額500萬美元


•例外貸款：工藝簡單，快速的周轉

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Lā gǔ nà hǎitān chuāngkǒu








Wàijí rénshì ànjiē jìhuà



Tígōng quánmiàn de fùzá de yībùfèn



Zǔhé chǎnpǐn xiàn, tígōng ànjiē dàikuǎn



Jiānádà rén, ōuzhōu rén, àodàlìyǎ rén hé rènhé rén



Jūzhù de guójiā, shì bùshì OLFAC xiànzhì.



Zhèxiē jiāoyì kěnéng huì fēicháng fùzá, xūyào



Jièkuǎn rén lái zǔzhī wéndàng de pdf



Géshì kěyǐ qīngsōng de tígōng xìnxī.



Wǒ de jīngyàn fēngfù de chéngbǎo hé jiāgōng tuánduì



Huì xiézhù nín, zài dàikuǎn àn dàikuǎn de jīchǔ shàng, tōngguò bùzhòu



Huòqǔ xiāngyìng de wéndàng.







Wàiguó gōngmín



•Bù yāoqiú jièkuǎn rén yǒu yīgè shèhuì bǎozhàng



Shù, lǜkǎ huò qiānzhèng.



•Wúxū FICO píngfēn. Wǒmen jiāng jiēshòu wàiguó



Xìnyòng bàogào, yǐ zhèngmíng xìnyòng huò



Mǎnyì bèiyòng xìndài, cóng yuánjí guó.



•Dì èr gè jiā: 60%Ànjiē chéngshù zhì 200 wàn, 55%wèi ànjiē chéngshù



300 Wàn měiyuán hé 50%ànjiē chéngshù zhì 5 wàn měiyuán.



•Wéiyī de xìngqù shì kěyòng de.



•Xūyào shōurù zhèngmíng wénjiàn.



•Rúguǒ jièkuǎn rén yǒu shíjiān, tāmen kěyǐ jiànlì yīgè FICO píngfēn



Dǎkāi gùdìng kǎ



•Rúguǒ wénjiàn shì wàiwén de, tā xūyào



•Yǒuxiào de hùzhào hé ID de dì èr zhǒng xíngshì shì bìyào de.



•Dàikuǎn jīn'é gāodá 500 wàn měiyuán. Wǒmen huì kǎolǜ



Dàikuǎn àn gèbié jīn'é chāoguò duì ànjiàn 500 wàn měiyuán.



Rúguǒ jièkuǎn rén yǒu lǜkǎ huò qiānzhèng: 70%Ànjiē chéngshù zhì 100 wàn měiyuán.



Chāyì



•Wǒmen zhuānzhù yú ARM de zhēnbǎo



•Dàikuǎn rén zǔhé



•Kuòzhǎn de zhǔnzé: Dàikuǎn jīn'é 500 wàn měiyuán



•Lìwài dàikuǎn: Gōngyì jiǎndān, kuàisù de zhōuzhuǎn

 

외국인 모기지 프로그램


포괄적 를 제공하는복잡한 부분


포트폴리오 의 제품 라인은 주택 담보 대출 을 제공하고 있습니다


캐나다 , 유럽 , 호주 및 사람 에서 에


거주국가가 OLFAC 제한 되지 않도록 .


이러한 거래는 복잡 하고 필요할 수 있습니다


PDF 로 문서를 구성하는 차주


형식은 정보를 쉽게 제공 할 수 있습니다.


내 경험이 풍부한 보험 처리 팀


하는 단계 , 대출 기준 에 의한 대출 에 도움을 줄 것입니다


해당 문서 를 획득 .






외국인


•대출 은 사회 보장 에게 해야 할 필요가 없습니다


수 , 그린 카드 또는 비자 .


• 어떤 FICO 점수 가 필요하지 않습니다. 우리는 외국 을 받아 들일 것이다


신용도 나 방법을 설명하기 위해 신용 보고서


원산지 에서 만족 대체 신용 .


• 두 번째 홈 : 60 % LTV 만 55 % LTV 에 2


3백만달러 , 50 % LTV 에 5백만달러 .


• 이자 에만 사용할 수 있습니다.


• 소득 서류 가 필요합니다.


• 차용자 시간이 있으면 , 그들은 FICO 점수를 설정할 수 있습니다



보안 카드를 열어


문서 가 외국어 인 경우 • , 그것은 필요


•유효한 여권 및 ID 의 두 번째 양식 이 필요합니다.


• 대출 5백만달러 까지 도달한다 . 우리는 고려할 것


대출 은 케이스 바이 케이스 에 5,000,000 달러 금액 .


1 백만 달러 70 % LTV : 차주는그린 카드 또는 비자 가있는 경우 .


DIFFERENCE


• 우리는 엄청나게 큰 무기 전문


• 포트폴리오 대출


• 확장 지침 : 대출 금액 5,000,000달러 에


• 예외 대여 : 간단한 프로세스와 빠른 턴 어라운드



















外籍 人士 按揭 计划


提供 全面 的 复杂 的 一部分


组合 产品 线,提供 按揭 贷款


加拿大人,欧洲人,澳大利亚人 和 任何 人


居住 的 国家,是OLFAC限制 不是.


这些 交易 可能 会 非常 复杂,需要


借款 人 来 组织 文档 的PDF


格式 可以 轻松 地 提供 信息.


我 的 经验 丰富 的 承保 和 加工 团队


会 协助 您,在 贷款 按 贷款 的 基础 上,通过 步骤


获取 相应 的 文档.






外国 公民


• 不 要求 借款 人 有 一个 社会 保障


数,绿卡 或 签证.


• 无需FICO评分.我们 将 接受 外国


信用 报告,以 证明 信用 或


满意 备用 信贷,从 原籍 国.


• 第二 个 家: 60 %按揭 成 数 至200万, 55 %为 按揭 成 数


300万 美元 和50 %按揭 成 数 至5万 美元.


• 唯一 的 兴趣 是 可用 的.


• 需要 收入 证明 文件.


• 如果 借款 人 有 时间,他们 可以 建立 一个FICO评分


打开 固定 卡


• 如果 文件 是 外文 的,它 需要


• 有效 的 护照 和ID的 第二种 形式 是 必要 的.


• 贷款 金额 高达500万 美元.我们 会 考虑


贷款 按 个别 金额 超过 对 案件500万의美元.


借款 人 有 绿卡 或 签证 如果: 70 %按揭 成 数 至100万 美元.


差异


• 我们 专注 于ARM 의的 珍宝


• 贷款 人 组合


• 扩展 的 准则:贷款 金额500万 美元


• 例外 贷款:工艺 简单,快速 的 周转







편집을 취소취소













이 번역 은 원본보다 더 나은 무엇입니까?네, 번역 제출
제출 주셔서 감사합니다.
라 gǔ 나 hǎitān chuāngkǒu







Wàijí rénshì ànjiē jìhuà



Tígōng quánmiàn 데 fùzá 데 yībùfèn



Zǔhé chǎnpǐn 시안 (西安) , tígōng ànjiē dàikuǎn



Jiānádà REN , ōuzhōu 렌 , àodàlìyǎ 르네 그는 RENHE REN



Jūzhù 데 guójiā , 시 부시 OLFAC xiànzhì .



Zhèxiē jiāoyì kěnéng 후이 fēicháng fùzá , xūyào



Jièkuǎn 렌 라이 zǔzhī wéndàng 데 PDF



기 GeSHi kěyǐ qīngsōng 데 tígōng xìnxī .



Wǒ 데 jīngyàn fēngfù 데 chéngbǎo 그는 jiāgōng tuánduì



HUI xiézhù NIN , 자이 dàikuǎndàikuǎn 데 jīchǔ 상 , tōngguò bùzhòu



Huòqǔ 위 Xiangying 데 wéndàng .






Wàiguó 공민왕



• BU yāoqiú jièkuǎn 렌 yǒu yīgè shèhuì bǎozhàng



슈 lǜkǎ Huo의 qiānzhèng .



• Wúxū FICO 의 píngfēn . Wǒmen 지앙 jiēshòu wàiguó



Xìnyòng bàogào , yǐ zhèngmíng xìnyòng Huo의



Mǎnyì bèiyòng xìndài , 콩 yuánjí 구오 .



• 디 어 GE 지아 : 60 % Ànjiē chéngshù 다우 200 WAN , 55 % 웨이 ànjiē chéngshù



300 완 메이 위안 그는 50 % ànjiē chéngshù 다우 5 완 메이 위안 .



• 웨이이 데 xìngqù 시 kěyòng 데 .



• Xūyào shōurù zhèngmíng wénjiàn .



• Rúguǒ jièkuǎn REN yǒu shíjiān , tāmen kěyǐ JIANLI yīgè FICO 의 píngfēn



Dǎkāi GUDING kǎ



• Rúguǒ wénjiàn 시 wàiwén 데 , 조교 xūyào



• Yǒuxiào 데 hùzhào 그는 ID 드 디 어 zhǒng xíngshì 시 bìyào 데 .



• Dàikuǎn jīn'é gāodá 500 완 메이 위안 . Wǒmen HUI kǎolǜ



Dàikuǎngèbié jīn'é chāoguò 음주 운전 ànjiàn 500 완 메이 위안 .



Rúguǒ jièkuǎn REN yǒu lǜkǎ Huo의 qiānzhèng : 70 % Ànjiē chéngshù 다우 100 완 메이 위안 .



Chāyì



• Wǒmen zhuānzhù 유 ARM 드 zhēnbǎo



• Dàikuǎn REN zǔhé



• Kuòzhǎn 데 zhǔnzé : Dàikuǎn jīn'é 500 완 메이 위안



• Lìwài dàikuǎn : 궁이 의 jiǎndān , kuàisù 데 zhōuzhuǎn

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laguna bichi ui chang








oegug-in mogiji peulogeulaem



pogwaljeog leul jegonghaneunbogjabhan bubun



poteupollio ui jepum lain-eun jutaeg dambo daechul eul jegonghago issseubnida



kaenada , yuleob , hoju mich salam eseo e



geojuguggaga OLFAC jehan doeji anhdolog .



ileohan geolaeneun bogjab hago pil-yohal su issseubnida



PDF lo munseoleul guseonghaneun chaju



hyeongsig-eun jeongboleul swibge jegong hal su issseubnida.



nae gyeongheom-i pungbuhan boheom cheoli tim



haneun dangye , daechul gijun e uihan daechul e doum-eul jul geos-ibnida



haedang munseo leul hoegdeug .







oegug-in



•daechul eun sahoe bojang ege haeya hal pil-yoga eobs-seubnida



su , geulin kadeu ttoneun bija .



• eotteon FICO jeomsu ga pil-yohaji anhseubnida. ulineun oegug eul bad-a deul-il geos-ida



sin-yongdo na bangbeob-eul seolmyeonghagi wihae sin-yong bogoseo



wonsanji eseo manjog daeche sin-yong .



• du beonjjae hom : 60 % LTV man 55 % LTV e 2



3baegmandalleo , 50 % LTV e 5baegmandalleo .



• ija eman sayonghal su issseubnida.



• sodeug seolyu ga pil-yohabnida.



• chayongja sigan-i iss-eumyeon , geudeul-eun FICO jeomsuleul seoljeonghal su issseubnida



boan kadeuleul yeol-eo



munseo ga oegug-eo in gyeong-u • , geugeos-eun pil-yo



•yuhyohan yeogwon mich ID ui du beonjjae yangsig i pil-yohabnida.



• daechul 5baegmandalleo kkaji dodalhanda . ulineun golyeohal geos



daechul eun keiseu bai keiseu e 5,000,000 dalleo geum-aeg .



1 baegman dalleo 70 % LTV : chajuneungeulin kadeu ttoneun bija gaissneun gyeong-u .



DIFFERENCE



• ulineun eomcheongnage keun mugi jeonmun



• poteupollio daechul



• hwagjang jichim : daechul geum-aeg 5,000,000dalleo e



• ye-oe daeyeo : gandanhan peuloseseuwa ppaleun teon eolaundeu




















oejeog insa ange jì huà



jegong jeonmyeon jeog fù zá jeog ilbubun



zǔhab chǎnpum xiàn,jegong ange dàigwan



ganadaein, ōuju-in,odaeli yàin hwa imha in



geoju jeog guóga,siOLFAChanje busi.



zhèsa gyoyeog ganeung huì bisang fù zá,suyo



chagwan in lái zǔ zhī mun dàng jeogPDF



gyeogsig gai qīngsong ji jegong sinsig.



a jeog jīng yàn bongbu jeog seungbo hwa gagong tuán duì



huì xiéjo nín,jae dàigwan an dàigwan jeog gi chǔ sang,tong guò bo zhòu



huòchwi sang yīng jeog mun dàng.







oe guó gongmin



• bu yogu chagwan in yu il gè sa huì bojang



shù, lǜjab hog qiān zhèng.



• musuFICO píngbun.a men jiāng jeobsu oe guó



sin-yong bàogo,i zhèngmyeong sin-yong hog



mǎnui bèiyong sin dài, cóng wonjeog guó.



• jei gè ga: 60 %ange seong shù ji200man, 55 %wèi ange seong shù



300man miwon hwa50 %ange seong shù ji5man miwon.



• yuil jeog xìngchwi si gayong jeog.



• suyo su-ib zhèngmyeong mungeon.



• yeogwa chagwan in yu shí jiān,ta men gai geonlib il gèFICO píngbun



ta kāi gojeong jab



• yeogwa mungeon si oemun jeog, tā suyo



• yuhyo jeog hùjo hwaIDjeog jei zhǒng hyeongsig si pil-yo jeog.



• dàigwan geum é go dá500man miwon.a men huì go lǜ



dàigwan an gè bié geum é cho guò duì angeon500man-uimiwon.



chagwan in yu lǜjab hog qiān zhèng yeogwa: 70 %ange seong shù ji100man miwon.



cha yì



• a men zhuānju uARM uijeog jin bǎo



• dàigwan in zǔhab



• kuòjeon jeog jun zé: dàigwan geum é500man miwon



• lye-oe dàigwan:gong yì jiǎn dān,kwaesog jeog ju zhuǎn








pyeonjib-eul chwiso
chwiso














i beon-yeog eun wonbonboda deo na-eun mueos-ibnikka?
ne, beon-yeog jechul

jechul jusyeoseo gamsahabnida.

la gǔ na hǎitān chuāngkǒu








Wàijí rénshì ànjiē jìhuà



Tígōng quánmiàn de fùzá de yībùfèn



Zǔhé chǎnpǐn sian (seoan) , tígōng ànjiē dàikuǎn



Jiānádà REN , ōuzhōu len , àodàlìyǎ leune geuneun RENHE REN



Jūzhù de guójiā , si busi OLFAC xiànzhì .



Zhèxiē jiāoyì kěnéng hu-i fēicháng fùzá , xūyào



Jièkuǎn len lai zǔzhī wéndàng de PDF



gi GeSHi kěyǐ qīngsōng de tígōng xìnxī .



Wǒ de jīngyàn fēngfù de chéngbǎo geuneun jiāgōng tuánduì



HUI xiézhù NIN , jai dàikuǎndàikuǎn de jīchǔ sang , tōngguò bùzhòu



Huòqǔ wi Xiangying de wéndàng .







Wàiguó gongmin-wang



• BU yāoqiú jièkuǎn len yǒu yīgè shèhuì bǎozhàng



syu lǜkǎ Huoui qiānzhèng .



• Wúxū FICO ui píngfēn . Wǒmen jiang jiēshòu wàiguó



Xìnyòng bàogào , yǐ zhèngmíng xìnyòng Huoui



Mǎnyì bèiyòng xìndài , kong yuánjí guo .



• di eo GE jia : 60 % Ànjiē chéngshù dau 200 WAN , 55 % wei ànjiē chéngshù



300 wan mei wian geuneun 50 % ànjiē chéngshù dau 5 wan mei wian .



• weii de xìngqù si kěyòng de .



• Xūyào shōurù zhèngmíng wénjiàn .



• Rúguǒ jièkuǎn REN yǒu shíjiān , tāmen kěyǐ JIANLI yīgè FICO ui píngfēn



Dǎkāi GUDING kǎ



• Rúguǒ wénjiàn si wàiwén de , jogyo xūyào



• Yǒuxiào de hùzhào geuneun ID deu di eo zhǒng xíngshì si bìyào de .



• Dàikuǎn jīn'é gāodá 500 wan mei wian . Wǒmen HUI kǎolǜ



Dàikuǎngèbié jīn'é chāoguò eumju unjeon ànjiàn 500 wan mei wian .



Rúguǒ jièkuǎn REN yǒu lǜkǎ Huoui qiānzhèng : 70 % Ànjiē chéngshù dau 100 wan mei wian .



Chāyì



• Wǒmen zhuānzhù yu ARM deu zhēnbǎo



• Dàikuǎn REN zǔhé



• Kuòzhǎn de zhǔnzé : Dàikuǎn jīn'é 500 wan mei wian



• Lìwài dàikuǎn : gung-i ui jiǎndān , kuàisù de zhōuzhuǎn

Please help Google Translate improve quality for your language here.

 

Foreign National Mortgages

Foreign National mortgage loans

 

Canadians Buying Real Estate

 

Fall in Glen Oak

Items needed for a Foreign National to start a home loan

Canadian tax returns 2011 2012

current paycheck stubs past 30 days
bank statements all pages past 60 days - not online printouts
driver's license and passport copies

Loans are in Borrowers names NOT in LLC or Corporate Vesting

4 credit references ( mortgage, credit card or auto loan)

complete forms


More paperwork will be required after initial review

 

Please read:

 

http://cgbarbeau.blogspot.com/2013/08/foreign-national-mortgages.html

 

http://cgbarbeau.blogspot.com/.../foreign-national-mortgages-california.html‎

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ITIN: apply for an individual tax ID number via W7 form which can be found on http://www.irs.gov/Individuals/International-Taxpayers/Taxpayer-Identification-Numbers-(TIN).

•You do not need to file taxes with this form if you are applying for a home loan (special exemption)

•The ITIN does not need to be received/in the file prior to funding. We just need evidence the form has been submitted to the IRS.

A letter from an accountant/CPA is required verifying income figures for the last two years and must provide year to date income figures.

• 4 years continual self employment required. 2 years in the same line of work with 2 full years of self-employment may be considered.

• 1 year income documentation required; 2 years may be requested by the Underwriter in certain instances

• A CPA or CA letter, on the CPA's letterhead, documenting YTD and previous two year's income is required.

All CA contact information must be verifiable.

􀁻

􀁻 Accountant/CA’s business is to be verified using LexisNexis, D&B International Business

 

Caroline Gerardo
NMLS # 324982
(949) 637-8190 cell phone

Foreign National Mortgage Loan

Items needed for a mortgage loan upfront:

Gather all these in pdf format, break into two or three emails to send smaller files

Past two years Federal Tax returns signed From your country & United States returns with rentals

Past 90 days actual bank statements (not online printouts). Online printouts are when you just download a screen print. Instead, go to "print a statement" and save as pdf. in your computer to forward.

All deposits larger than $500. that are not payroll must have a paper trail

Two types of ID : driver’s license / passport copies
Sign the attached five forms

credit card for $150 international credit report
four credit references written on the Loan Application 1003

Complete 1003 mortgage application

Schedule of real estate owned

Mortgage bill, front page of fire insurance, and property tax bill

Current paycheck stub for 60 days

All loans are full recourse and in the Borrower’s name. Foreign Nationals can get loans in the U. S. but you need to establish credit in the American system as rates are partly driven by FICO score. A Canadian will only have a Beacon score, but can establish Experian, Tran Union and Equifax files by opening small secured VISA or Mastercards with American companies.

 

 

Establishing credit in the U. S. will also be helpful in opening American bank accounts as you will need to pay bills in American dollars and receive rents in our exchange.

We DO NOT loan to LLC’s or entities. If you went to a seminar that told you to invest in different LLC’s to avoid lawsuits or taxes you wasted your money on the seminar.

Acquiring a mortgage on Residential property in the United States is full recourse and in your name or as Joint Tenants. Getting a loan after the crash of 2008 is not simple or easy. If you do not want to provide some of the paperwork you will not get a low interest rate.

 I also have low documentation loans available but the mortgage Rates are more than double because of the risks. Low doc loans start at eleven percent and can be as high as thirteen percent for non-owner occupied foreign nationals buying in the U. S.

 

 

Mortgage Loans For Your Picket Fence House

Impatiens - love them because the snails in Orange County California Don't Eat Them

 Scroll down for my picket fence picks of the week.

 

Mortgage Loans: We Have Them All

80 15% No MI ~

Foreign National: Canadian, Australian, United Kingdom, etc. investment properties

Interest Only ~

Niche

FHA Fixed and Adjustable loans: 30 or 15 Year Fixed Rates and 1 Year 3 Year and 5 Year ARM’s

96.5% Purchase or 97.75% refinance

FHA 203k and 203k Streamline

FHA Police Officer, Firefighter and Teacher Next Door

VA Fixed and Adjustable Rates

VA interest rate reduction refinancing ( IRRRL ) LOANS

FHA Flipped Homes

Jumbo Super Jumbo

HOMEPATH – Fannie Mae purchased property no MI 97% loan

USDA RURAL HOUSING LOANS TO 100%

HARP unlimited LTV

Manufactured Homes

Purchase Close in 11- 15 Days

CAROLINE GERARDO ( C. G. Barbeau)

Cell: (949) 637-8190  7:00 AM – 7:00 PM 7 Days

Mortgage Banker          Fax: (949) 250-3938

20341 SW BIRCH STREET NEWPORT BEACH CA 92660  NMLS# 324982

Eye candy to reward you for stopping by:  Some images I took of entry gates, picket fences and curbside appeal

 

To Reward you some entry gates an picket fences I like this on with climbing rose is "ausbush" an Austin old heritage climber. They have added a hand painted address number and silly mailbox to make this feel warm. Corona Del Mar

 

 This iron gate has roses, geraniums and trumpet vines rambling around the posts. San Juan Capistrano

 Formal balanced composition- Big Corona Del Mar

Needs a little softening for me - north Laguna Beach

 Funky and fun red brick and bird houses and picket fence gate painted red for a punch of surprise

 

Happily Ever After Begins here...love this picket fence - Dana Point bluffs

Splashes of red and bright makes this black and white house cheerful. This picket fence also has trellis lattice to neatly train the roses over the entryway. This keeps the curbside appeal of the stark painted simple home feeling tidy.

 

For me this is ultimate curbside appeal- image this perennial garden. The soft mounds of daisies, lavender, herbs smell glorious and the winding gravel driveway might be in the south of France - Arles but no it's a  Laguna Beach cottage. This is so homey oh la la curbside appeal.

 

Bougainvillea and morning glory wave a welcoming hand at this entry

 Top of the World Laguna Beach

Herbs at the bottom, pots of herbs braced to the railing with burlap curtain for privacy. A country entryway that also has curbside appeal