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Our Chinese Friends are looking for a mortgage?They are not US citizens. How much percentage down

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March 02 2012 - US
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March 02 2012
" Without getting into the discussion of who to listen to and who not,"
----
You just did din't you? If you really didn't want to get into that discussion, there is a real easy way. How about not mentioning it?
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March 02 2012
Without getting into the discussion of who to listen to and who not, let me say that there remain several variables here.  We would need to know their status in the US., whether they have a social security number, and whether they have established credit in the US.  Also, if the source of their income is overseas, that can present a significant problem as well.  Find out more, if you can, and then many of us on Zillow will be able to offer more useful advice
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March 02 2012
If they have a green card, an EAD or one of many acceptable visa classifications (H1b being very common, etc) and are presently working in the US (and will continue to do so) they can get the same loan types and rates as any US citizen.

Remind them not to get mortgage advice from any real estate agent, as you can see below they like to point you off in other directions without actually answering the question.

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March 02 2012
They should get with a local lender or their bank to determine what they can do to get funding to buy a home. The banks specialize in finding loan programs for every different situation. I would talk with them first to see what might be out there in a loan. Most bank have mortgage divisions that can assist you and I would try there first. Good Luck!
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March 02 2012
 
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