Jump to content
VikaNDave

Buying a Home

By VikaNDave in Tax & Finances During US Immigration

 Share

7 posts in this topic

Recommended Posts

VikaNDave Apprentice

VikaNDave   3

Posted
Filed: IR-1/CR-1 Visa Country: Ukraine
 Timeline
Posted

Hi Folks,

I am in the process of buying a home and hit a snag. FHA wants a credit report for my wife. The problem is we are in the process of our I130 and she is still in Ukraine. That being said she has no SSN or has ever even been in the USA. Has anyone here ever came across this type of problem before? If anyone has any suggestions I would appreciate because my loan officer is kinda stumped on what to do.

Link to comment
Share on other sites
Hypnos Grand Master

Hypnos   6,576

Posted
Filed: Citizen (apr) Country: United Kingdom
 Timeline
Posted

She doesn't have a credit report.

Surely they must have some kind of procedure for when one person does not have a credit history, or it's a very short one? Worst case scenario you may have to remove her from the mortgage.

Widow/er AoS Guide | Have AoS questions? Read (some) answers here

 

AoS

Day 0 (4/23/12) Petitions mailed (I-360, I-485, I-765)
2 (4/25/12) Petitions delivered to Chicago Lockbox
11 (5/3/12) Received 3 paper NOAs
13 (5/5/12) Received biometrics appointment for 5/23
15 (5/7/12) Did an unpleasant walk-in biometrics in Fort Worth, TX
45 (6/7/12) Received email & text notification of an interview on 7/10
67 (6/29/12) EAD production ordered
77 (7/9/12) Received EAD
78 (7/10/12) Interview
100 (8/1/12) I-485 transferred to Vermont Service Centre
143 (9/13/12) Contacted DHS Ombudsman
268 (1/16/13) I-360, I-485 consolidated and transferred to Dallas
299 (2/16/13) Received second interview letter for 3/8
319 (3/8/13) Approved at interview
345 (4/3/13) I-360, I-485 formally approved; green card production ordered
353 (4/11/13) Received green card

 

Naturalisation

Day 0 (1/3/18) N-400 filed online

Day 6 (1/9/18) Walk-in biometrics in Fort Worth, TX

Day 341 (12/10/18) Interview was scheduled for 1/14/19

Day 376 (1/14/19) Interview

Day 385 (1/23/19) Denied

Day 400 (2/7/19) Denial revoked; N-400 approved; oath ceremony set for 2/14/19

Day 407 (2/14/19) Oath ceremony in Dallas, TX

Link to comment
Share on other sites
VikaNDave Apprentice

VikaNDave   3

Posted
Filed: IR-1/CR-1 Visa Country: Ukraine
 Timeline
  • Author
Posted (edited)

I am not putting her on the mortgage, they still want a credit report for her. Because we are married her debt (which she has none) must be considered even though she wont be on the mortgage.

Edited by VikaNDave
Link to comment
Share on other sites
Hypnos Grand Master

Hypnos   6,576

Posted
Filed: Citizen (apr) Country: United Kingdom
 Timeline
Posted

Well the good news is that in the eyes of the US she has no debt.

Widow/er AoS Guide | Have AoS questions? Read (some) answers here

 

AoS

Day 0 (4/23/12) Petitions mailed (I-360, I-485, I-765)
2 (4/25/12) Petitions delivered to Chicago Lockbox
11 (5/3/12) Received 3 paper NOAs
13 (5/5/12) Received biometrics appointment for 5/23
15 (5/7/12) Did an unpleasant walk-in biometrics in Fort Worth, TX
45 (6/7/12) Received email & text notification of an interview on 7/10
67 (6/29/12) EAD production ordered
77 (7/9/12) Received EAD
78 (7/10/12) Interview
100 (8/1/12) I-485 transferred to Vermont Service Centre
143 (9/13/12) Contacted DHS Ombudsman
268 (1/16/13) I-360, I-485 consolidated and transferred to Dallas
299 (2/16/13) Received second interview letter for 3/8
319 (3/8/13) Approved at interview
345 (4/3/13) I-360, I-485 formally approved; green card production ordered
353 (4/11/13) Received green card

 

Naturalisation

Day 0 (1/3/18) N-400 filed online

Day 6 (1/9/18) Walk-in biometrics in Fort Worth, TX

Day 341 (12/10/18) Interview was scheduled for 1/14/19

Day 376 (1/14/19) Interview

Day 385 (1/23/19) Denied

Day 400 (2/7/19) Denial revoked; N-400 approved; oath ceremony set for 2/14/19

Day 407 (2/14/19) Oath ceremony in Dallas, TX

Link to comment
Share on other sites
Kat&Jon Collaborator

Kat&Jon   85

Posted
Filed: K-1 Visa Country: England
 Timeline
Posted (edited)

I did a little research and found that since you live in Washington it is a statelaw allowing banks to check your spouse for debt. You live in a state which has "Community" laws and this is what they cite when they check her debt to income ratio even if she will not be on the loan. Since she currently does not have an SSN to check they are unable to run this since Credit laws are different by country it is impossible to check.

I tried to find a waiver for this within your state but it does not look like there is a waiver for this. I am sorry that its not good news but I did try and see if there was a way around this at all but until she has an SSN that they can run to see that she has no credit history in the US I could not find a waiver form or way around this.

Edit: On the slightly bright side I did see that not all banks actually check the Spouse debt to income ratio if they will not be on the loan. The law only states they are ALLOWED to request the information. Maybe ask around and find a bank who won't check it?

Edited by Kat&Jon

Kat & Jon

I am Kat the US Citizen

K-1 Timeline                                                       AOS Timeline

July 21 2016- K-1 Application mailed                                             May 1 2017- AOS/EAD/AP Mailed

July 27 2016- NOA1 Text/Email                                                     May 26 2017 - NOA 1 Text/Email x1 Received (Packet Fiasco ><)

August 1 2016- NOA1 Hard Copy                                                 May XXXX - NOA 1 Hard Copies Received

Sept 15 2016- NOA 2 Text/Email                                                   XXXXXX - Biometrics  Appointment

Sept 20 2016- NOA 2 Hard Copy                                                  XXXXX -EAD/AP NOA 2 Text/Email

Oct 12 2016- NVC Received Case                                                XXXXX - EAD/AP NOA 2 Hard  Copy Received

Oct 14 2016- LND Case # Received                                             XXXXX - EAD/AP Combo Card Received

Oct 25 2016- Case In Transit to LND                                            XXXXX - AOS Interview/ Approval

Oct 28 2016- CEAC Status shows Ready                                     XXXXX- Green Card Received

Dec 13 2016- Medical

Jan 06 2017- Interview (Approved!)

Jan 10 2017- CEAC Status shows Issued

Feb 28 2017- POE Tampa

April 21 2017- Wedding

Link to comment
Share on other sites
VikaNDave Apprentice

VikaNDave   3

Posted
Filed: IR-1/CR-1 Visa Country: Ukraine
 Timeline
  • Author
Posted

Thanks a bunch Kat&Jon for taking the time to look into my question. I spent some time looking myself and hopefully can come up with a solution. Its nice to know that there are so many good people here like you!

Link to comment
Share on other sites
 
Didn't find the answer you were looking for? Ask our VJ Immigration Lawyers.

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
 Share
Go to topic listing
- Back to Top -

Important Disclaimer: Please read carefully the Visajourney.com Terms of Service. If you do not agree to the Terms of Service you should not access or view any page (including this page) on VisaJourney.com. Answers and comments provided on Visajourney.com Forums are general information, and are not intended to substitute for informed professional medical, psychiatric, psychological, tax, legal, investment, accounting, or other professional advice. Visajourney.com does not endorse, and expressly disclaims liability for any product, manufacturer, distributor, service or service provider mentioned or any opinion expressed in answers or comments. VisaJourney.com does not condone immigration fraud in any way, shape or manner. VisaJourney.com recommends that if any member or user knows directly of someone involved in fraudulent or illegal activity, that they report such activity directly to the Department of Homeland Security, Immigration and Customs Enforcement. You can contact ICE via email at Immigration.Reply@dhs.gov or you can telephone ICE at 1-866-347-2423. All reported threads/posts containing reference to immigration fraud or illegal activities will be removed from this board. If you feel that you have found inappropriate content, please let us know by contacting us here with a url link to that content. Thank you.
×
×
  • Create New...