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“For years, buying a home in the U.S. felt like an impossible dream.

I worked hard, saved every penny, but traditional banks kept saying my credit score wasn’t strong enough.

Then I found a flexible mortgage program through a partner site that worked with Rocket Mortgage.

They looked beyond numbers — they saw my stability and determination.

Within 45 days, I was signing the papers for my own house in Orlando.

I still remember the first day I opened the front door — the smell of new wood, sunlight flooding the living room, my son running down the hallway.

That’s when I realized homeownership isn’t just about property… it’s about freedom, security, and pride.

Now, every monthly payment builds equity — not someone else’s wealth. Best decision I’ve ever made.”

— Juliana M., 34, Tech Professional

1. Can I get a mortgage without a U.S. credit history?

Yes. Many lenders like Rocket Mortgage and Better.com now use alternative verification — income proof, savings, or co-signers — to approve new residents and first-time buyers.

2. Can non-residents apply for a home loan?

Absolutely. Some banks, such as Citizens Bank and HSBC, offer specialized mortgage programs for foreigners with valid visas or ITIN numbers.

3. What’s the minimum down payment required?

Typically between 3% and 20%, depending on your loan type and profile. Government-backed programs like FHA Loans allow lower down payments and flexible qualification criteria.

4. What is an FHA Loan and why is it so popular?

An FHA Loan is insured by the Federal Housing Administration. It’s ideal for first-time homebuyers, offering lower interest rates, smaller down payments, and easier approval.

5. How long does the mortgage approval process take?

Usually 30 to 60 days. Online lenders such as Better.com or LoanDepot are often faster thanks to digital pre-approval and automated verification.

6. Are mortgage rates fixed or adjustable?

You can choose between fixed-rate mortgages for long-term stability or adjustable-rate mortgages (ARM) for lower initial payments. Major banks like Chase and Wells Fargo offer both.

7. What other costs should I expect beyond the monthly payment?

Homebuyers should also plan for property taxes, homeowners insurance, closing costs, and maintenance. A mortgage calculator can help estimate your total monthly budget.