04-16-2012, 10:44 AM
10 posts, read
9,635 times
Reputation: 20
Can I Get a Mortgage Loan with No Credit History in US?
Moving from Canada to Houston with L1 VISA. No credit history in US (not sure my American Express credit card will help). Can I get house loan?
04-16-2012, 10:49 AM
Location: Hougary, Texberta
1,983 posts, read
3,168,483 times
Reputation: 1465
Depends. How much cash are you bringing to the table? What is your employer prepared to do?
04-16-2012, 11:18 AM
Location: Clear Lake Area
1,861 posts, read
1,687,307 times
Reputation: 1653
Can't help you with your mortgage question, but let me know if you have any hockey playing offspring coming with you... I can point you in the right direction of the nearest/best youth/adult programs.
04-16-2012, 11:27 AM
Location: Houston area
1,407 posts, read
1,559,546 times
Reputation: 585
If you have verifiable assets and verifiable employment, it becomes easier. But expect to have to put down 20-30% down. Look for a mortgage broker , not a big bank. Send me a message if you need a couple contacts.
04-16-2012, 11:34 AM
Location: Houston, TX
8,569 posts, read
6,424,933 times
Reputation: 4078
Coming from Canada, it shouldn't be that difficult (just guessing)
04-16-2012, 11:42 AM
10 posts, read
9,635 times
Reputation: 20
Quote:
Originally Posted by
LostInHouston
Can't help you with your mortgage question, but let me know if you have any hockey playing offspring coming with you... I can point you in the right direction of the nearest/best youth/adult programs.
Yeah? My 7-year-old son plays very well in net, any program good for him?
04-16-2012, 12:07 PM
Location: Clear Lake Area
1,861 posts, read
1,687,307 times
Reputation: 1653
Quote:
Originally Posted by
Little L.
Yeah? My 7-year-old son plays very well in net, any program good for him?
Yeah, at 7, he has to play in the mite program... which for this next year will be birth years 2004/2005. TAHA (the parent association to all USA hockey youth programs in Texas) strictly follows USA hockey's ADM model, which mandates 4v4 cross-ice only games (with goalies) at that age level. So no full ice until he reaches squirt. There is a provision that allows each organization to play up 2 mites each year... he may qualify for that depending on his skill level.
With regards to where to play, there are 4 options for you at that age.... so it really depends on where you end up living. I'm part of the
BAHHA Hounds , which is the only organization on the east and southeast side of Houston. We play out of the
Space City Ice Station , which is off of I45 in the Friendswood/Clear Lake area. We're the only non-profit association in Houston that has both recreational (house) hockey and competitive (travel) hockey.
There are also three rink-based programs that have rec leagues. They include the rinks in
Sugarland ,
Memorial City Mall , and the
Aerodrome in Willowbrook .
Travel hockey doesn't begin until squirts (2002/2003's for this next season), so I won't inundate you with that info.
Anyhow, send me a private message if you need any other info. Summer session just started, and fall usually begins in August/September time frame. Not sure about the other organizations, but with us you can even join mid-season if you arrive later this year... we do our best to work with the parents.
04-16-2012, 12:27 PM
Location: Cypress, TX
584 posts, read
674,632 times
Reputation: 393
You may get pre-approved and get to 2 days before closing and find out your loan will not fund. Happened with a non-citizen who wanted to buy my house. They lost their $1000 earnest money, inspection money, etc.. Seems risky. Good luck to you.
04-16-2012, 02:14 PM
Location: Hougary, Texberta
1,983 posts, read
3,168,483 times
Reputation: 1465
Quote:
Originally Posted by
Dopo
Coming from Canada, it shouldn't be that difficult (just guessing)
You guessed wrong. It is insanely difficult, but not impossible. You need a great deal of patience and the ability to cut through tons of red tape to make people happy after the 17th request for the same information.
04-16-2012, 07:03 PM
Location: Kingwood, TX
3,184 posts, read
5,195,627 times
Reputation: 1893
If you work for a company that hires a lot of people on L1 I would ask around the office as they should have had the same experience and can hopefully point you in the right direction. I think the concern any mortgage holder would have is that the L1 is a non-immigrant visa so if you lose your job you would have to leave the country.
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