Buying a House

[G_Star 0]

I am currently in the US on J1 and adjusting to permanent as I married my USC husband. We would like to buy a house in a few months but I am confused whether I can put my name on the mortgage and on the house if I am not yet a permanent resident.

Are there any extra taxes or things I should know about for a 'not-yet a resident' to purchase a house??

I tried googling this but all i can find is junk and un trust worthy websites!

Thanks

[kelera 0]

You should ask a real estate lawyer what your best option is, since you will need to get one anyway.. Good luck!

Edited October 20, 2011 by kelera

[Oksana & Max 94]

I am currently in the US on J1 and adjusting to permanent as I married my USC husband. We would like to buy a house in a few months but I am confused whether I can put my name on the mortgage and on the house if I am not yet a permanent resident.

Are there any extra taxes or things I should know about for a 'not-yet a resident' to purchase a house??

I tried googling this but all i can find is junk and un trust worthy websites!

Thanks

You can't put it on the mortgage as you are not an LPR. However after the home is bought you can add your name to the title.

[Krikit 1,164]

Speak to your mortgage broker. You can certainly be put on the mortgage but if you have no credit history in the US then it will raise the rates. There is nothing preventing you from being on the deed either. Think of all the people from other countries (Canada, UK, etc) who own vacation property in the US. They are not residents either. And neither was I when I bought my house in FL.