For 5+ I typically use Ed Campbell at Jefferson Bank and Trust, or in some cases Eric Kappelman at Citizens, it kindof just depends on the scenario.  

If the borrower is not a U.S. citizen, refer to B2-2-02, Non–U.S.

@Daniel Ryu Scenario desk confirmed Fannie loan using foreign income for US Citizen.

Tell me what I should do for my client that is a senior citizen that got in a loan that doubled her payment 9 months ago.

As a US citizen you are subject to Federal Income Tax on earnings no matter where they are earned.Interestingly enough, all of the benefits you mention above are available in this country if you use the services of a good estate and tax planning attorney.

We are basically forced to continue paying for water that we are NOT utilizing if we take into account:-Water bills from nearby properties with similar characteristics are way lower-The amount of persons living in the property is two-The fact that our bills are issued prior to the actual consumption, and do not take into account factors such as weather (no need for watering the yard), time away from the property (vacation), etc.On a separate note, when we attempted to register our property on the waitlist to get a meter installation (program that is now stopped due to potential lead repercussions), the system declined our property claiming that it was not eligible, although we follow all parameters indicated – a non-metered, residential account for a single family home.We believe this is a completely unfair, abusive, and unreasonable situation, which might affect other many citizens who are stuck within the same conundrum.Any suggestions?

Are you a foreign national or US citizen currently purchasing a property in the USA?

Keep in mind my dad isn't a citizen so NO he cant be a cosigner.

The issue now is that most of the banks don't open accounts for russian citizens because of the war (wich I am totally against of ) and I wonder if I can ask the title company on the closing of the deal to send me money via the Western Union or MoneyGram to Spain.

You want to be on both sides(buying into the assets and capable seller/transfer of equity) as the economy moves.Philosophically speaking and .....what makes excited about residential real estate in USA is not about residential itself but our ability as individual US citizen so we could get cheap or free money from goverment ( 3% mortgage rate is lower than 3% inflation rate) for 30 years  with the same fixed payment for thirty years, with leverage 1:4 to leverage 1:20 (using FHA) for an asset thats "almost always" appreciating double than inflation ( appreciating > 6% is equal to double).