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I put an offer for the house, it's $520,000 and has been accepted and my downpayment is $ 220,000 my credit score is 780+ but I can't prove my income here, since I work out of country. is that still possible to get loan ?
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If you have stocks or bonds to pledge, yes.
Not if you don't reside here. I was under the impression you could still get an accept plus but I dont know if you don't even live in the United States. Tough to prove its your primary residence.
South Trust Funding still does SIVA programs ONLY on non owner occupied and second homes. They are pretty easy to work with.
Chris, you have sumbitted over 10 THOUSAND quotes and you are saying a lender only does stated on NOO and 2nd homes?
10,000 quotes and 7 reviews? Poor Chris.
MAX, Citi Mortgage still offers a Stated Doc. loan if your credit score is high enough, andif you have the lesser of $100K or 50% of your Stated Annual Income, but it comes w/ a higher price. It's called the Asset-Based Stated Income Program. We call it SIVA (Stated Income Verified Assets). The last one I priced out was at 7.375% Fixed. So, if you've already made an offer, and you want the house regardless of the cost, then this is the only Stated Income loan program that I am aware still exists, but I could be mistaken, and you're going to have to be willing to accept the higher interest rate.
Is it just me or does anyone find it interesting that people are still putting offers on homes before talking to a lender? Isn't that akin to opening up your brain for surgery before getting MRI?
how much did you put into escrow?
maxer0108 what is your entire situation?
I miss the show...
Are you really Adam Corolla Shane?
Uh oh... my gig is up...
Guess acting didn't work out, so you tried mortgages......you might want to go back to acting. I don't think mortgages is your fortei either...
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