will the USCIS see if you have a MORTGAGE??

[gigant 0]

hi,

while waiting for the N400 interview, me and my wife (USC) are purchasing

an apartment;

The mortgage application and the title will be both under my name only;

will the immigration check my credit report? ( and see that there is a

recorded mortgage with my name only on it)

The reason im asking is because when i filed for n400 i put our current renting

address;

as we close on this purchase do i need to file for AR11 change of address?

we still dont have a closing date and dont have a interview date;

thank you

pls advice

[YuAndDan 153]

Firstly I have yet to read about a credit check being done, they are not concerned with support at this time.

And yes you file and AR-11 AND I-865 after you move, unless citizenship happens before the move.

[Old Dominion 26]

There are good legal reasons to have it jointly in your name. Beyond that, USCIS cares less.

[Craneman 2]

hi,

while waiting for the N400 interview, me and my wife (USC) are purchasing

an apartment;

The mortgage application and the title will be both under my name only;

will the immigration check my credit report? ( and see that there is a

recorded mortgage with my name only on it)

The reason im asking is because when i filed for n400 i put our current renting

address;

as we close on this purchase do i need to file for AR11 change of address?

we still dont have a closing date and dont have a interview date;

thank you

pls advice

I have a somewhat similar problem.

My office is in one state, I rent a house close to my office, this is my mailing address and address of record. I was in my office a total of 8 days last year.

I own a farm in another state two stae away, where I spend as many weekends as psooible.

Hell this week I will work ing 3 differnt states and travel over 1,000 miles, and no I do not drive a truck.

Most my work takes me to yet three other states, and yet I spent 180 days working in Brazil last year where my wife owns yet another house on the beach.

My wife, once her papers come through will spend 3 to 4 months a year in Brazil, I will be there with her as much as my work allows.

I maintain my mailing adress, address of record, for consistancy.

But I have no mortgages.

Edited January 7, 2009 by Craneman

[YuAndDan 153]

I have a somewhat similar problem.

My office is in one state, I rent a house close to my office, this is my mailing address and address of record. I was in my office a total of 8 days last year.

I own a farm in another state two stae away, where I spend as many weekends as psooible.

Hell this week I will work ing 3 differnt states and travel over 1,000 miles, and no I do not drive a truck.

Most my work takes me to yet three other states, and yet I spent 180 days working in Brazil last year where my wife owns yet another house on the beach.

My wife, once her papers come through will spend 3 to 4 months a year in Brazil, I will be there with her as much as my work allows.

I maintain my mailing adress, address of record, for consistancy.

A few things, you profile and timeline only indicates K-1 please update, are you considering fileing for naturalization.

http://www.visajourney.com/timeline/profile.php?id=38606

If you are considering naturalization what I highlighted may cause a problem. Periods of absence longer than 6 months will reset the continuous residency requirement for citizenship.

You may want to study this document: http://www.uscis.gov/files/article/M-476.pdf

[NickD 203]

Another friend of my wife married a guy in Milwaukee that already owned a home with a mortgage, with their I-751 application, was called in as to why he didn't put the deed of his home in his wife's name. Said he tried, but with his bank and their rules, to put her name on the deed, he would have to refinance, pay additional loan cost, and refinance at a much higher interest rate. He also told them with WI divorce laws, and communal property, if they did get a divorce, she would get half of his house anyway, so really doesn't make any difference whether her name is on the deed or not. It was on that basis, plus written letters from the bank to verify the extra interest, loan cost, and even an extra 500 bucks to put her name on the deed, the USCIS let him get by, this time.

So if the same happens to you, how are you going to explain you buying property without your wife's name on, doesn't cost a cent extra when you first apply, even makes the loan easier as they have two to go after.

[Craneman 2]

Another friend of my wife married a guy in Milwaukee that already owned a home with a mortgage, with their I-751 application, was called in as to why he didn't put the deed of his home in his wife's name. Said he tried, but with his bank and their rules, to put her name on the deed, he would have to refinance, pay additional loan cost, and refinance at a much higher interest rate. He also told them with WI divorce laws, and communal property, if they did get a divorce, she would get half of his house anyway, so really doesn't make any difference whether her name is on the deed or not. It was on that basis, plus written letters from the bank to verify the extra interest, loan cost, and even an extra 500 bucks to put her name on the deed, the USCIS let him get by, this time.

So if the same happens to you, how are you going to explain you buying property without your wife's name on, doesn't cost a cent extra when you first apply, even makes the loan easier as they have two to go after.

Having 2 does not make it esier to get a loan.

If one of the borrowers has no credit, recent immigrant, it makes it harder or a higher interest rate.

Or if one of the borrowers has bad credit it does the same thing. No credit = bad credit.

[moonhunt 1]

hi,

while waiting for the N400 interview, me and my wife (USC) are purchasing

an apartment;

The mortgage application and the title will be both under my name only;

will the immigration check my credit report? ( and see that there is a

recorded mortgage with my name only on it)

The reason im asking is because when i filed for n400 i put our current renting

address;

as we close on this purchase do i need to file for AR11 change of address?

we still dont have a closing date and dont have a interview date;

thank you

pls advice

Who's N400 application ? Yours?

If it is marrige-based N400, USCIS will ask for joint documents for financial responsibility sharing, which is done by most of couples.

USCIS is not interested in your credit report, but they may ask for home rent agreement and/or house deed along with insurace documents, mortgage documents...

If they ask for it, you have to submit it unless you have valid reason for unavailability, or you wants your case denied based on no response for Request for Evidence.

If they see it and ask for reason, you should have answer to satisfy USCIS adjudicator.

IF not, your case may be denided, and if he/she is in doubt for your sincere marriage life, your green card may be in danger to be canceled for marriage fraud.

Sometimes USCIS adjudicator may understand the reality, but in most case, they ARE trained to doubt everything from immigration fraud viewpoint, and/or different viewpoint from yours.

Edited January 7, 2009 by moonhunt

[moonhunt 1]

Having 2 does not make it esier to get a loan.

If one of the borrowers has no credit, recent immigrant, it makes it harder or a higher interest rate.

Or if one of the borrowers has bad credit it does the same thing. No credit = bad credit.

From OP's question, it is under OP's name, and OP is benefitionary of I-130 sponsored by US Citizen wife.

So I don't think your assumption can be used for defense.

From USCIS adjudicator's viewpoint, it can be seen as "STRANGE" behavior.

If state law asked for joint ownership of the property during martial period,

not doing joint account for mortgage and home deed may be seen as not following the law, which may be bad for Good moral character requirement.

[KyngSilva 0]

The USCIS is not really going to care so much about your mortgage with the bank. Most states and I say MOST have laws in place. It takes one to buy the home and two to sell a home. One person can get the loan funded by the bank, but if your married you have to get your wifes signature on the deed to sell the home. Also most banks do have clauses that require all spouses to sign a document claiming they will not be lien holders on a property. You DO NOT have to go to the bank to have your wifes name added to the deed. You do not have to pay high fees, you do not have to refinance yoru loan or do anything with your loan. Banks give you loans and not the title to the house, it will probably cost you about 70 to 100 bucks. You need to go to a title company or a real estate attorney and have them amend the deed to reflect your wifesname on it, if it was not added the first time around. The document is called a Quit Claim Deed. If you haven't already closed on your home, the title company will do a name search and find you as being married, plus your loan application will state your married. The lender will send documents so that they can CTA, the title company will have your wife sign some documents. This was created to protect the spouse so that they get a fair share of the assets even thou they are not on the loan. Most states have this law in place.

The USCIS is not going to pull your credit report. Your credit worthiness has nothing to do with you filing for Naturalization. And even if they did pull your credit, they know that not everybody who buys a home buys it with both husband and wife.

[NickD 203]

Different experiences with different IO's so therefore different opinions on this subject. I didn't want to pay an attorney 500 bucks to add my wife to my deed, had a bit of a problem finding the forms, those attorney's want to keep those hidden, just copied my deed verbatim unto the new form selling my home from myself to myself and my wife and paid ten bucks to have it registered.

But the state IRS form was a brain twister, the register of deeds helped me some of the really confusing questions, didn't have to pay any taxes nor transfer fees, but was required to fill out that form.

To apply for the N-400, you have to be a LPR, and no problem getting a loan as a LPR, but under our state law, the spouse, whether he or she signs for the loan or not, is still liable. Can go crazy dealing with both the feds and your state.

[gigant 0]

hi,

while waiting for the N400 interview, me and my wife (USC) are purchasing

an apartment;

The mortgage application and the title will be both under my name only;

will the immigration check my credit report? ( and see that there is a

recorded mortgage with my name only on it)

The reason im asking is because when i filed for n400 i put our current renting

address;

as we close on this purchase do i need to file for AR11 change of address?

we still dont have a closing date and dont have a interview date;

thank you

pls advice

Who's N400 application ? Yours?

If it is marrige-based N400, USCIS will ask for joint documents for financial responsibility sharing, which is done by most of couples.

USCIS is not interested in your credit report, but they may ask for home rent agreement and/or house deed along with insurace documents, mortgage documents...

If they ask for it, you have to submit it unless you have valid reason for unavailability, or you wants your case denied based on no response for Request for Evidence.

If they see it and ask for reason, you should have answer to satisfy USCIS adjudicator.

IF not, your case may be denided, and if he/she is in doubt for your sincere marriage life, your green card may be in danger to be canceled for marriage fraud.

Sometimes USCIS adjudicator may understand the reality, but in most case, they ARE trained to doubt everything from immigration fraud viewpoint, and/or different viewpoint from yours.

I think you are going way too far my man,

If CIS asks for mortgage documentation, I will just show it to them; it will just

not show my wife's name on the mortgage application and deed.

The issue here is if CIS will :

-see that there is a mortgage recorded in the last few months

-check the details of the mortgage: if its an investment or a "live in" loan application

- compare the address that we currently live at with the address of this apartment

- question of we live in the new place, if we filed for AR11

fROM The answers given here say that CIS wil NOT KNOW that we are buying this place

as they dont run a credit report UNLESS:

- they ask for most recent rent statements or most recent bills do they ASK FOR the most recent

bills

Edited January 8, 2009 by gigant

[KyngSilva 0]

gigant you'll be fine mate, don;t worry your self. Just file the right papers so that you get all the docs sent to your new address. Congrats on the American Dream of buying a home.

[NickD 203]

gigant you'll be fine mate, don;t worry your self. Just file the right papers so that you get all the docs sent to your new address. Congrats on the American Dream of buying a home.

Only thing I recall with finances, how much money and assets you have, was the I-864, gather they want to know if you have enough cash to pay their fees. But that was the end of that. It's my understanding that the I-864 dies with citizenship. Another reason to go for it.

[awaterlily 0]

credit checks are not part of the process...at least not yet.

Firstly I have yet to read about a credit check being done, they are not concerned with support at this time.

And yes you file and AR-11 AND I-865 after you move, unless citizenship happens before the move.