Getting a mortgage in USA

United States › Finance, Currency, Insurance & Taxes › Getting a mortgage in USA

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  • 08/04/2022 at 12:18 AM #120720
    GinoFlashy

      Hi All,

      My wife is American, I’m a UK citizen. We’ve been married for over 6 years. Currently we live in the UK and considering moving to the US.

      How difficult will it be for me to obtain a mortgage in the USA on just my wife’s credit score? And can my UK credit history in the UK be included / considered by mortgage companies?

      Many thanks!

      21/09/2022 at 5:47 PM #122232
      Grant14

        Hi Gino,

        The major bureau Experian, Equifax and TransUnion operate in both the UK and the USA. However, your credit history DOES NOT translate in either direction.

        I believe you’ll need a credit score of at least 620 to get a mortgage.

        Both permanent and non-permanent residents can get a mortgage in the USA.

        Best of luck

        Grant

         

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