Can I buy a home without perfect credit?
Yes. There are loans like the FHA that allow down payments as low as 3.5% and have more flexible credit requirements.

Can you buy a home with an ITIN instead of a SSN?
Yes. Some banks accept ITINs if you can prove income and financial stability.

What documents do I need if I’m an entrepreneur?
Tax returns, bank statements, and, in some cases, a letter explaining your activity.

What does escrow mean?
It’s a third-party account where the money is protected during the purchase, ensuring security for both buyer and seller.

Do I need to have the full down payment before starting?
Not necessarily. There are assistance programs that help cover part of the initial down payment.

What is the difference between an FHA, VA, and conventional loan?
FHA is ideal for first-time buyers, VA is exclusive for veterans, and conventional loans require better credit but offer better rates.

What additional expenses should I consider?
Property taxes, homeowners insurance, maintenance, and HOA dues, if applicable.

How long does the purchase process take?
Generally, 30 to 45 days, depending on the type of loan and the documentation submitted.

Can I buy as a foreigner without legal residency?
Yes. You need a passport, available funds (30% or more down payment), and a bank account in the United States.

Do you have any other questions? Write to us and we’ll respond personally.