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try small local brokers, sometime they might have a deal for u.

ggghands(comb)

The big banks have a tough regulation for loan approval after this crisis, especially for foreigners. Canadian credit is not too helpful in my experience although I got house/car in CANADA.

Again, if you could offer a good downpay, I mean you have to demonstrate the money sources to your brokers, or show 2-3 yrs consective bill, statements, you would convince the broker to get a loan.
the documents I prepared for brokers:
bank statement, credit card statement, bills for gas/ phone/water/electricty, mortgage, pay slip, wire transfer certificate
Good luck!

(#5496024@0)
Last Updated: 2009-8-20
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枫下茶话 / 美国话题 / 我们来美国不到1年，现在想贷款买房，请问这种情况能贷到款吗？以前的加拿大的信用能不能用上？如果不行，有什么方法能在短期内增加信用分数？谢谢各位了！ -mechenic(Chinese); 2009-8-19 (#5494635@0)

美国人太变态了! -mechenic(Chinese); 2009-8-19 (#5494874@0)
应该有办法把信用转过来. -mechenic(Chinese); 2009-8-19 (#5494879@0)
狂刷信用卡，买车贷款可以增加信用分 -kwirky(kwirky); 2009-8-19 (#5495059@0)

能转信用吗,都是一个公司. -mechenic(Chinese); 2009-8-19 (#5495142@0)

American express可以转。。可是估计也不赶趟儿了。。信用历史太短。。 -z24(Quick! Do sth. manly); 2009-8-19 (#5495165@0)

yes, but it depends. I got loan approval 2 months after moving to USA in 2008. Which state are you at? I am in OK. If u can provide a decent downpay and good pay slip, it should not be a problem. -ggghands(comb); 2009-8-19 (#5495174@0)

我在CO. 据说现在还要有两年的保税记录. 简直是傻到家了. -mechenic(Chinese); 2009-8-20 (#5495280@0)

应该是可以的，我们上个月刚买的，到美国1年4个月。他们查了我们在加拿大的信用记录。 -janette(janette); 2009-8-20 (#5495284@0)

能请教您用的是哪家银行或broker吗? 谢谢了. -mechenic(Chinese); 2009-8-20 (#5495285@0)

bank of america, credit score 695, downpay 20% -janette(janette); 2009-8-20 (#5495781@0)

我来了11个月,CREDIT 可能只有620. 但我付36% DOWN.没有人贷款给我. -mechenic(Chinese); 2009-8-20 (#5495287@0)

自己顶. -mechenic(Chinese); 2009-8-20 (#5495476@0)

try small local brokers, sometime they might have a deal for u. -ggghands(comb); 2009-8-20 {568} (#5496024@0)
The big banks have a tough regulation for loan approval after this crisis, especially for foreigners. Canadian credit is not too helpful in my experience although I got house/car in CANADA.

Again, if you could offer a good downpay, I mean you have to demonstrate the money sources to your brokers, or show 2-3 yrs consective bill, statements, you would convince the broker to get a loan.
the documents I prepared for brokers:
bank statement, credit card statement, bills for gas/ phone/water/electricty, mortgage, pay slip, wire transfer certificate
Good luck!

have you tried ING? or some brokers can help you find a small bank. -torontospring2006(springToronto); 2009-8-20 (#5497281@0)

今天找wells fargo可能可以代,可是利息很高,15年要4.75, 30年要5.625.太高了吧?哭. -mechenic(Chinese); 2009-8-20 (#5497115@0)

Try US Bank -jiankenbo(BA); 2009-8-20 (#5495971@0)
Try your local credit union. -wireless_mouse(无线小滑鼠); 2009-8-20 (#5496033@0)
今天找wells fargo可能可以代,可是利息很高,15年要4.75, 30年要5.625.太高了吧?哭 -mechenic(Chinese); 2009-8-20 (#5497118@0)

不知道你在哪个州和贷款数,按你描述的情形,这个利率在我们这里算不错的了,下手吧. -oopp(ops); 2009-8-20 (#5497204@0)

在科州,这里太保守了. -mechenic(Chinese); 2009-8-20 (#5497277@0)

是你赶上好时候了,现在审查的很严.能拿到就不错了. -oopp(ops); 2009-8-20 (#5497289@0)

你们那里利率这么低吗？我家的都调整了一次了，还比你这个高一点呢。我们信用分excellent，而且我们的贷款利率跟周围其他人的比也是很不错的呢。 -usornot(下决心); 2009-8-20 (#5497313@0)

不会吧,老大,我这可是15年的利率,和您30年的比了吧, 谢谢啊! -mechenic(Chinese); 2009-8-20 (#5497319@0)

楼上说的没错,你这个利率真算不错的.朋友今年四月换房,他们美国都住快20年了,15年拿的是4.75 -oopp(ops); 2009-8-20 (#5497329@0)
顶 -mechenic(Chinese); 2009-8-20 (#5497333@0)
说的是15年的呀，我家现在的还比你这个高。我朋友最近在打听调整利率，他要换成你这个数，要交将近一千块。不过好像不能光看利率，好像各家银行closing cost，还有还款规定不一样。 -usornot(下决心); 2009-8-20 (#5497342@0)

Xixi。。我家30年利率4.5 -z24(Quick! Do sth. manly); 2009-8-20 (#5497328@0)

牛! -mechenic(Chinese); 2009-8-20 (#5497338@0)

我和他的一样,但是要赶时候,你可以先拿到,然后等机会重新做. -oopp(ops); 2009-8-20 (#5497345@0)

您都是哪个银行搞的? REFINANCE 不是还要交一堆费. -mechenic(Chinese); 2009-8-20 (#5497385@0)

我现在的是CitiMortgage.帮我做的是代理,没和银行直接打交道,我们这很多国人做代理.REFINANCE费用可以免掉. -oopp(ops); 2009-8-20 (#5497415@0)

谢谢您了! 您那国人代理多,一定是好州,不比我们这. -mechenic(Chinese); 2009-8-20 (#5497422@0)

你真逗,好州房子还贵呢,要不我给你介绍几个国人代理,他们可以垮州做吧. -oopp(ops); 2009-8-20 (#5497434@0)

@Ontario

try small local brokers, sometime they might have a deal for u.

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