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Mortgages for US citizen expats?

Hi. I am a US citizen living and working abroad since 2008. I sold my home in MA before leaving. I would now like to purchase a property in Boston or the surrounding area. Can anyone help me with reasonable mortgage options? Thanks! by victoria from Boston, Massachusetts. Aug 5th 2013 Reply


William J Acres (William_Acres)
#74 ranked lender in Arizona - 8,728 contributions

the short answer is yes.. and depending on how you wish to apply (owner occupied, investor, 2nd home, etc...) will determine the necessary loan program and down payment requirements.. however until your income, taxes, assets, etc.. are reviewed, no one can say for sure.. the best advise I can give you is to contact a local mortgage broker and apply with them.. once they review your complete profile, they will be able to advise you properly.. .. 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

Aug 6th 2013
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Victoria, I'd welcome the opportunity to assist you with mortgage financing. I have experience working with ex-pats currently or previously working abroad. Please give me a call at 401 301 0130 or email at gdevine@atlantichomeloans.com . You can visit my site at mortgagevine.net

Aug 6th 2013
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James Mazzola (Mazzola)
#109 ranked lender in New Jersey - 314 contributions

A long as you can verify your income and have good credit. You will also have to have employment.

Aug 6th 2013
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John Moran (SimplifyMortgage)
#7 ranked lender in Arizona - 663 contributions

The answer is a qualified yes. You will likely need to have US credit, which sounds like it isn't an issue. You would also need to file US tax returns and have the assets required in a US bank or document a very specific paper trail from a foreign bank to a US bank.

Aug 6th 2013
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I have a program for you that will work even if you haven't filed taxes in the US.

Aug 6th 2013
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Jason Vondrak (jvondrak)
#220 ranked lender in California - 1,741 contributions

You should be able to qualify for a mortgage as long as you are currently employed, can verify your income and have high enough credit.

Aug 6th 2013
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Joe Metzler (JoeMetzler)
#17 ranked lender in Minnesota - 4,848 contributions

The quick answer is yes, you can buy in your situation. Common areas of trouble result from a current lack of US credit, and inability to document income. Contact a Boston area mortgage broker for most answers and assistance.

Aug 6th 2013
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Dave Metsker (DaveMetsker)
#35 ranked lender in Oregon - 2,318 contributions

Yes, with good credit and income. The use as a primary residence may be a question.

Aug 6th 2013
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Richard Shapiro (RShapiro)
#12 ranked lender in Massachusetts - 71 contributions

As others have said, yes you should be able to get a mortgage.I am located in the Boston area and only work on mortgages in MA.Please contact me through my profile.

Aug 6th 2013
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