How to Get U.S. Mortgage for U.K. Citizens

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How to Get U.S. Mortgage for U.K. Citizens?

• America Mortgages

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Introduction

• The U.S. is one of the most sought-after
  countries in the world to invest in real estate
  mainly because it caters to a wide range of
  needs, which is why, as a U.K. Citizen, this is
  the right time to move the needle on obtaining a
  mortgage in the U.S.
• In this guide, we will explain how to get a U.S.
  mortgage as a U.K. citizen. Whether it is for a
  new home, an investment or a commercial property.

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Can U.K. Citizens Obtain a Mortgage in the U.S.?

• Yes, U.K. Citizens can obtain a mortgage to buy
  real estate in the U.S. The U.S. does not
  restrict any non-citizens from owning property in
  the country.
• As long as you meet the criteria for owning a
  property in the U.S., you are free to do so.
  These criteria are rather simple you dont even
  need a credit history in the U.S. to own property
  there!
• However, it is important to note that you do not
  receive residency rights by owning a property in
  the U.S. you can stay there for as long as your
  visa permits.

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Documents Needed to Get a Property in the U.S.?

• Proof of your income, your last three years of
  tax returns, or a letter from your employer
  Documents proving your creditworthiness.
• Documents proving that you can afford the monthly
  payments, such as household cash flow statements,
  utility bills, or bank statements Documents
  proving the mortgages affordability.
• Personal identification documents (passport).
• Proof of legal status in the United States as a
  Foreign National.

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Who is eligible for a U.S. mortgage?

• While everyone can obtain a mortgage in the U.S.
  there are specific differences based on
  immigration status. Lets look into each scenario
  further to understand how a U.K. citizen obtains
  a U.S. mortgage.
• U.K. Nationals Without Residency
• As a U.K. citizen who doesnt have permanent
  residence (a green card) in the U.S. or a work
  visa, you will not be eligible for a
  government-backed loan. But you are still
  eligible for a foreign national loan.

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• Permanent Resident With Green Card
• As a permanent resident with a green card, you
  are eligible for the same loan as any U.S.
  citizen which is a Fannie Mae or FHA loan.
  Additional eligibility for such a loan includes a
  2-month bank statement, 2 years credit history in
  the U.S. and 2-3 years of tax return.
• Temporary Residents With a Work Visa
• Everyone working in the U.S. on a work visa is
  eligible for the Foreign Mortgage Loans, as is
  any permanent resident. In addition to the usual
  documents, you may be asked to provide a letter
  from your company.

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Contact Us

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