All Forum Posts by: Samantha Gray

Tried TD, tried RBC. Unfortunately, the last lender pulled my credit six times, which caused me to lose 100 points. RBC won't touch me until my credit goes back up. They also won't use our American income. 

My husband is American, I am Canadian. My husband has a job in the U.S. and a job in Canada. My income is freelance based, so a lot harder to use for a loan.

I should note too that we originally went through a broker and it was a train wreck from the get go. Made a ton of promises, told us the loan was approved and ready to go. We went through five extensions to close, and denied on foreign income… which they were aware of from day one because we are Canadian. 

We were looking to rent it out for six months of the year and snowbird the rest of the time.

we are just shocked at how poorly that whole process was. Three months of work shot down two days before we were planning on taking ownership.

We are open to any type of loan at this point. As we already gave up our home here in order to move down there temporarily to renovate. 

Hello !

My husband and I have recently put an offer in on a house in Florida, we went through 2 months of back and forth with a bank out of Michigan, only to be declined two days before the closing date (We literally were packed and ready to go.) They decided foreign income was not acceptable.

We are looking for advice on getting a mortgage to finance the U.S home. We have all paperwork (appraisals, surveys, inspection, insurance, etc) Everything is wrapped and ready to go. 

Would really appreciate some advice from you seasoned home buyers. 
Thanks!