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 Reply
    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 Reply
    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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