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If you have a good credit score in the US there are some banks or mortgage compaines that don't require US citizenship. However it would be hard to have a good credit score in the US without citizenship as generally you need a social security number to apply for things like credit cards that build credit.

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โˆ™ 2008-02-20 14:58:32
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Q: Do banks ask for proof of US citizenship for a mortgage applicant loan assuming non-FHA non-VA?
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Related questions

A sentence using the word applicant?

The man who applied for citizenship was considered an applicant.


What does one need to do to obtain American citizenship?

In order to obtain American citizenship an applicant must file a N-400 form as application of naturalization. Second, the applicant must take a naturalization self test and then applicant's application will be considered if they met all residency requirements.


What residence and phsical presence requirements must an applicant for citizenship meet?

They must be present in [[Q/What residence and physical presence requirements must an applicant for citizenship meet#|the United States]] and must meet the requirements for naturalization.


Will a co-applicant who has bad credit hurt the chances of the primary applicant getting approved for a loan assuming the applicant has good credit?

yes unfortunatly i think so.


What is considered a good interest rate on a mortgage?

A good interest rate on a mortgage in 2014 is 4.2 percent. This varies greatly depending on the type of mortgage and the credit score of the applicant.


How do lenders find information about bad credit when dealing with a mortgage applicant?

Lenders find information about bad credit when dealing with a mortgage applicant by running a credit check. They send your information to a credit service to see what information they can find.


If your husband is a co-applicant for a mortgage loan can you be held liable for the debt if the loan is in default?

Keyword here is "Co-applicant" ... Both of you are equally responsible and liable for the debt. If your name is not listed on the mortgage deed, then there would be little recourse in coming after you for the amount owed.


Does an applicant for US Citizenship have to be able to read write and understand English to obtain citizenship?

They must be able to read, write and understand BASIC American English.


What income level is required to obtain a chase home mortgage?

It would depend on things such as the loan size and type, the credit rating of the applicant, and also any assets the applicant may use to guarantee the loan. If the applicant has a good enough asset base to use to guarantee a loan then there would not be a necessary income level for a Chase mortgage.


What does the citizenship exam cover?

The Citizenship test is mainly to test the English and Civics knowledge of the applicant. The pattern is such that the applicant should answer 6 out of 10 civics questions correctly; read 1 out of 3 sentences correctly and write 1 out of 3 sentences correctly in order to clear the test. The English test will be based on simple English only and the fluency of the applicant will be tested.


Can a spouse be denied citizenship for lying she was never married before in her citizenship application?

There is a great possibility since you sign that ALL the information on the application provided by the applicant are TRUE.


What can a lender do when the second mortgage is not paid in full due to foreclosure?

Assuming that the FIRST mortgage was foreclosed, a foreclosure wipes out any mortgages that were recorded after the foreclosed mortgage.


What information is needed to used the Bank of America mortgage rate calculator?

The information needed to use the Bank of America mortgage rate calculator is the price of the mortgage (or cost), the percentage of the cost that will be covered by the down payment, the term of the mortgage (in years), and the state in which the applicant lives.


What are the 100 citizenship questions for?

The 100 citizenship questions are for a naturalization test. An applicant will only be asked 10 of the 100 questions. These questions are to help immigrants prepare to be citizens of the US.


What residence and physical presence requirements must an applicant for citizenship meet?

They must be present in the United States and must meet the requirements for naturalization. If you would like to know where to find this answer please go to www.ask.com and type in What residence and physical presence requirements must an applicant for citizenship meet? and then you should get your answer!


How do you pass citizenship in the US?

When applying for U.S. Citizenship through naturalization, United States Citizenship and Immigration Service (USCIS) does require a Citizenship test to be taken by all applicants. The Citizenship test will be based on the ability of reading, writing and speaking English, knowledge of American history and the government of the United States. After you have filed the US Citizenship Application (form N-400), USCIS will notify you with a date and time for your fingerprinting appointment. The applicant will be advised to appear at the local Application Support Center at the designated time and date. At this interview the applicant will be given the Citizenship test. You will be notified in the mail the results of your test.


How is the applicant's ability to read and write in English measured on the citizenship exam?

it i measured by how much you know and how fluent you speak


Can foreigner be granted citizenship when own a property in USA?

Yes. The naturalization process does not require that the applicant not own property.


Can a mortgage be discharged if it is assumed by the buyer?

It is up to the lender whether the mortgage can be assumed. If the lender approves the assumption it will draft documents that will free the original mortgagor from the obligation of the mortgage and the person assuming the mortgage will need to sign to assume the debt and obligations under the mortgage.The original mortgagor can't get out from under a mortgage obligation by simply selling a property that's subject to a mortgage.It is up to the lender whether the mortgage can be assumed. If the lender approves the assumption it will draft documents that will free the original mortgagor from the obligation of the mortgage and the person assuming the mortgage will need to sign to assume the debt and obligations under the mortgage.The original mortgagor can't get out from under a mortgage obligation by simply selling a property that's subject to a mortgage.It is up to the lender whether the mortgage can be assumed. If the lender approves the assumption it will draft documents that will free the original mortgagor from the obligation of the mortgage and the person assuming the mortgage will need to sign to assume the debt and obligations under the mortgage.The original mortgagor can't get out from under a mortgage obligation by simply selling a property that's subject to a mortgage.It is up to the lender whether the mortgage can be assumed. If the lender approves the assumption it will draft documents that will free the original mortgagor from the obligation of the mortgage and the person assuming the mortgage will need to sign to assume the debt and obligations under the mortgage.The original mortgagor can't get out from under a mortgage obligation by simply selling a property that's subject to a mortgage.


How old do you have to be to take the citizenship test?

To take the citizenship test, the applicant must be at least 18 years old. If the applicants parents are naturalized, children younger than 18 automatically obtain citizenship as long as all other requirements for residency are met.


You are on the title not the mortgage what are your rights?

If you own an interest in the property and didn't sign the mortgage then your interest isn't covered by the mortgage. Assuming only the co-owner signed a mortgage, in the case of a default the bank could only foreclose on their interest, not yours.


How does one go about getting a mortgage from sterling mortgages?

To get a mortgage from Sterling mortgages, the interested applicant can visit their website, and click 'Mortage Enquiry' on the upper right hand side of their site. From here, they can enter their basic information, and a mortgage specialist will contact them to arrange an appointment.


If a husband dies will a wife be responsible for the mortgage debt even if she is not on the note?

His estate will be responsible for the mortgage. Assuming the wife is not on the deed, if the mortgage isn't paid the bank will foreclose and take possession of the property covered by the mortgage. If the wife is on the deed and she consented to the mortgage the bank can foreclose. If she is on the deed and did not consent to the mortgage then the bank had a defective title and may not be able to foreclose.


If you are buying a house on contract can the seller make you pay 'mortgage Insurance' on top of the mortgage payment?

Yes, It is typical and customary of all mortgages, does not matter who is doing teh financing. It sounds like the buyer is assuming the seller's mortage. Assuming the buyer has agreed to assume the seller's mortage, if the contract is silent about the mortgage insurance, then it depends if the mortgage insurance is considered part and parcel of the mortgage, or if it is a separate commercial instrument, and thus severable from the mortage.


Where can one find a cheap mortgage rate online?

Cheap mortgage rates online can be found at mortgage compilations sites such as Bank Rate's and Zillow's mortgage rate sections. It should be noted, however, such rates are quoted based on general information and that specific rates may vary widely depending on the credit score and other factors of the applicant.