Can I qualify for HARP 2.0 with foriegn income?

Ordinary income is OK.. Foreign income is not OK... and I'm not really sure what you mean by US HQ... if the lender cannot look up the phone number to your employer and call them, talk to someone in HR, and verify your employment, they will not use that income to qualify... if none of this is your issue, then ditch the big bank, and apply with a local mortgage broker... but without seeing your complete profile, it's hard to properly advise you...I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

What do you mean by "foreign income" and what issues are you encountering? If you work overseas but still file a US tax return every year, claim the income you earn, are a US citizen and all of your information relevant to employment and earnings can be verified (through the corp headquarters in the US I'm guessing is what you mean by HQ) then you shouldn't be having a problem. Try a local mortgage broker and stay away from the big banks like BOA and Wells.

If you claim it on taxes filed in the U.S. as W-2/Ordinary income, then it should be able to be used in qualifying. If you claim it as a "Foreign Tax" Income, that can be an issue.

What are the issues you're running into?

Yes if you have two years history. What are the issues you are having? We specialize in HARP 2.0 loans.