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Do banks ask for proof of US citizenship for a mortgage applicant loan assuming non-FHA non-VA?

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2008-02-20 14:58:32
2008-02-20 14:58:32

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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The man who applied for citizenship was considered an applicant.

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.

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.

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.

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.

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

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.

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.

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.

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.

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.

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

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!

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

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.

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.

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.

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.

Assuming you mean that a release deed was never recorded when the mortgage was paid, you need to contact the mortgagee and insist it record a release.Assuming you mean that a release deed was never recorded when the mortgage was paid, you need to contact the mortgagee and insist it record a release.Assuming you mean that a release deed was never recorded when the mortgage was paid, you need to contact the mortgagee and insist it record a release.Assuming you mean that a release deed was never recorded when the mortgage was paid, you need to contact the mortgagee and insist it record a release.

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.

Yes, provided you fulfill several legal requirements. Citizenship is not dependent upon the applicant characteristics (i.e. race or religion).

A citizenship form is the document that helps green card holders achieve citizenship in the United States. A person who has a green card may apply for US citizenship after filing a citizenship form with the government. There are several qualifications that must be met before an immigrant becomes eligible for status as a US citizen. The application must be filled out in its entirety and forwarded to the proper authorities for review.What is on the Citizenship Form?The citizenship form is a very detailed list that will require the full legal name, address, birthdate, arrest history (including expunged records), military record and circumstances surrounding length of time lived in the US of the naturalization applicant. People attempting to receive citizenship in the US must be truthful on the application. The citizenship form will be thoroughly examined before it will be approved. One slight misconception can be reason for denial of the application.How Long Before Approval or Denial of Citizenship Form?Most applications are reviewed and either approved or denied within a 6 month period. There is a cost of $595 for application for citizenship. All applicants must be fingerprinted soon after filing the citizenship form. He or she will be directed where to go in order to get fingerprinting performed. That cost approximately $80. Both costs are non-refundable, even if the citizenship form is denied.What Happens if the Citizenship is Denied?If citizenship is denied, the applicant might be able to apply again in the future. It highly depends on the reason for denial as to whether a new form will be accepted. If the applicant believes that the government made an error in the processing of the naturalization process, he or she may file a dispute to attempt to have the final decision overturned.What Happens after Citizenship is ApprovedAfter citizenship is approved, there are a few steps left to becoming a full-fledged US citizen. The applicant will be told when to meet for an interview and to be sworn in. Once those two things are completed, the applicant becomes a legal citizen of the United States.After receiving confirmation and proof of being a citizen, the new American will enjoy all of the perks of every other legal citizen in the country. When a person has to work his or her way through the citizenship process, he or she appreciates the privilege more than can be expressed in words.

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.


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