Returning home after living abroad can be both exciting and overwhelming, especially when it comes to navigating the mortgage process with limited credit history. You're not alone in feeling uncertain about where to start. At National Mortgage Home Loans, we understand the unique challenges expats face and are here to guide you home.
”At NMHL, we work with borrowers in exactly this situation every day. We understand the uncertainty, the frustration, and the worry that comes with navigating a mortgage during a significant life event. You are not alone, and your situation does not have to be a barrier to homeownership.
Our licensed loan officers specialize in finding the right path forward for borrowers in complex circumstances. Whether your situation requires specialized documentation, alternative qualification methods, or simply a lender who takes the time to understand your full financial picture, we are here to help you move forward with confidence and clarity.
Your Path Forward
Proven Solutions for Your Situation
Expat Mortgage Pre-Approval
Get pre-approved with NMHL's streamlined process, designed specifically for expats returning home. Our experts will help you understand your options and create a personalized plan.
Credit Re-Establishment Program
Our Credit Re-Establishment Program helps expats rebuild their credit history, making it easier to qualify for a mortgage. With a minimum credit score requirement of 620, you can get back on track.
Low Down Payment Options
NMHL offers low down payment options, including FHA loans with as little as 3.5% down. We can help you determine the best program for your situation.
Personalized Guidance for Your Situation
No two mortgage journeys are alike. Our experienced advisors take the time to understand your unique circumstances and find the best path forward.
What Our Clients Say
Real reviews from Google — no cherry-picking
Nationwide Coverage
Find Local Help in Your State
Our Presence
Click on endorsed states to see our direct resources!
Understanding Your Expat Returning Home Mortgage Options
As an expat returning home, you're likely facing a unique set of challenges when it comes to securing a mortgage. At NMHL, we understand that your credit history may be limited or non-existent in the US, but that doesn't mean you're out of options.
Our expert loan officers specialize in expat returning home mortgage scenarios and can help you navigate the process. We'll work with you to determine the best mortgage program for your situation, whether that's a conventional loan, FHA loan, or something else entirely.
Don't let limited credit history hold you back. Contact NMHL today to explore your options.
The Benefits of NMHL's Expat Mortgage Programs
- Competitive interest rates: We offer competitive interest rates on our expat mortgage programs, helping you save money over the life of your loan.
- Low down payment options: With FHA loans available with as little as 3.5% down, you may be able to secure a mortgage with less upfront costs.
- Expert guidance: Our loan officers are dedicated to helping expats like you navigate the mortgage process. We'll provide personalized guidance every step of the way.
Get started today with a no-obligation consultation.
Re-Establishing Your Credit History as an Expat
If you're returning to the US after living abroad, you may need to re-establish your credit history. NMHL's Credit Re-Establishment Program is designed to help expats like you get back on track.
Our experts will work with you to create a personalized plan, including credit monitoring and education, to help you rebuild your credit history. With a minimum credit score requirement of 620, you can get started on the path to mortgage readiness.
Take the first step towards re-establishing your credit history. Contact NMHL today.
Next Steps: Getting Pre-Approved for Your Expat Returning Home Mortgage
Ready to take the next step? Getting pre-approved for a mortgage is a great way to understand your options and demonstrate your creditworthiness to sellers.
NMHL's pre-approval process is fast and straightforward, typically taking 24 hours or less. Our experts will guide you through the process and provide personalized support every step of the way.
Get pre-approved today and take the first step towards securing your dream home.
Frequently Asked Questions
Yes, NMHL offers mortgage programs for expats with limited or no US credit history. We consider alternative credit scoring models and other factors to determine your eligibility. Contact us to discuss your options.
NMHL's pre-approval process typically takes 24 hours or less. We'll need some basic financial information from you, and our experts will guide you through the rest.
Required documents may include your passport, visa, income verification, and tax returns. Our loan officers will provide a personalized checklist to ensure you have everything needed for a smooth application process.
While US credit history is typically preferred, NMHL can consider alternative credit scoring models that take into account your foreign credit history. Our experts will help you understand your options and determine the best approach.
NMHL's Credit Re-Establishment Program is designed to help expats rebuild their credit history. We'll work with you to create a personalized plan, including credit monitoring and education, to get you back on track.