Your Foreign Credit Buys A Home In The US

June 22, 2026

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David Ghazaryan

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TL;DR

For individuals new to the United States, securing a mortgage in Florida without a local credit score is entirely achievable. This overview explains the process:

Use Your Existing Credit: Lenders can utilize your established credit history from your home country. Instead of starting from scratch, your financial reliability is assessed based on your international record.
Specialized Verification: Mortgage providers work with third-party services that specialize in obtaining, translating, and standardizing international credit reports for U.S. underwriters.
Accelerate Homeownership: This alternative underwriting method allows you to purchase a home much sooner, bypassing the typical two-to-five-year period required to build a new credit profile in the United States.

Read the full blog article here: https://www.iqratemortgages.com/blog/using-foreign-credit-for-a-tampa-mortgage-approval

Video Transcript:

You believe no US credit score means no home loan? I'm David Ghazaryan. We make your foreign credit work here. Special companies check your credit report from your old country. This process lets you buy a house now, not years later. Expect to make a bigger down payment for these loans. (Data may vary over time) Find this full article and my socials in the description.

Read Blog Here: https://www.iqratemortgages.com/blog/using-foreign-credit-for-a-tampa-mortgage-approval

David Ghazaryan

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