He'll ask for payment via western Union, which you tell him that you'll gladly send.Then keep sending him bogus confirmation numbers, apologizing each time. 

With that said, you still have options. 1) Speak with some local banks/credit unions to see how much money you could borrow to purchase a place and what % down payment they require. 

It is very close to Manhattan, by bus, ferry and path train. i dont know much about bergen county. for Hudson county, people are talking a lot about Jersey city, Union city, Bayonne and Harrison. in those cities, you see mostly two family houses, ranging from 350k to $650k for an average house. 

I don't know any big banks that would touch this.I'd call the smallest 5-10 banks and/or credit unions in Birmingham.

@Jason GottFor smaller loan amounts ($50K and under) you may find more success with portfolio lenders like small local banks and credit unions.  

You should be fine to do this, but when you look for financing you will likely need to go to a local/regional bank or credit union not a big national bank.

I'm thinking now that Ford is planning to revamp the old Union Station, Corktown and surrounding areas could see significant growth.

I would recommend using a local community bank or credit union as they would be more flexible on accepting a land trust as a business entity. 

I have tried a few of the local credit unions and smaller institutions to no avail (15 and 20 yrs are most common).

Hi thereI'm a South African currently living in the Cayman Islands looking to get into the US market.As a non citizen / non resident I am struggling to obtain 30 year finance at decent rates in the US.I am investigating the possibility of using finance from back home to cover the cost of a unit, then refinancing in the US to squash the mortgage back home and effectively backdoor finance in the US.Does anyone have any experience with this, and have any comments in whether US banks may be more willing to provide refinancing to an already purchased asset held by a foreigner?