I have been living abroad for three years and earning income there. I am thinking of refinancing. Is it possible considering my income is overseas?

As long as you have been filing US tax returns, this shouldn't be a problem.

To be considered and qualified for traditional financing we would need to know the status of the property you are referring to(the home you want to refinance) was it being rented out while you we're abroad? Are you back in the home and working back in the states now? Let me know@nomissingnumber.

If you are filing US income taxes for your foreign income we have no issue with a loan. If the property is rented then we will need to see a copy of of the rental agreement. Standard qualifying and interest rates will apply. Marty Stroiman, Over $1Billion in closed loans! marty@BuildersFunding.com

We would need more details in order to determine if you qualify for a refinance... How much equity do you have in the home that you are thinking refinancing? Are you currently renting out the property? We are a broker licensed in California that specializes in refinance. If the property if located in California, feel free to give us a call and we can help you determine if you will qualify to refinance.

If you have filing US tax returns then it shouldn't be a problem at all if you want to refinance. Check your local lender.

Yes.. it can be done and your income can be considered, so long as you claim the income on filed US tax returns.. Also, if the home currently has an FHA, VA or USDA loan on it, then refinancing can be done without an appraisal. If it's a conventional loan, and it was initiated prior to May 31, 2009, then it's possible you can refinance under HARP and no appraisal would be required.. The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Do not use the local "Big" bank, or one of those 50 states internet lenders or nationwide lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. 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