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Chase International Relocation

Make the most of your
international move with Chase

Why Chase?

Our dedicated team of Home Lending Advisors can go the extra mile (or a few thousand) to guide you through your international relocation to the U.S. From building credit to translating important documents, our International Relocation Mortgage program is designed to help you navigate the requirements of a home loan.

No cost translation services

Finalizing a home loan can include dozens of documents that can be challenging to go through, and translating them can be expensive. That’s why we offer translation service's at no cost, help simplify the process for you so that you can focus on what matters most. 

Important things you'll need to apply

Documentation

 

  • Social Security number
  • Proof of citizenship or legal U.S. residency
  • U.S. mailing address

Financial

 

  • A U.S. bank account before mortgage closing
  • Funds for down payment or qualifying reserves
  • Two months of bank statements
  • U.S. credit report (a foreign credit report or non-traditional credit may be used as alternatives)

Employment

 

  • Employment verification (offer/transfer letter from employer confirming U.S. income)
  • 30 days of pay stubs
  • Two years of W2s or equivalent of a U.S. tax return

Get started today

Apply now for the mortgage application

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We know that a mortgage is just one of many steps in your international relocation process. Your dedicated Home Lending Advisor can connect you to a local branch banker who can work with you to identify your needs and connect you to the right products and services above.

Contact us for these services

FAQs

Yes. Your Home Lending Advisor can connect you with a Chase banker in your new hometown. You can also go to chase.com to learn more about available products and services.

We have fixed and adjustable-rate mortgages available with a variety of terms. Your Home Lending Advisor can help you find products based on your unique needs.

Conservatively, we will require a 30% down payment. In some instances, underwriting may permit a 20% down payment. We won't have affirmation of the 20% down payment until underwriting reviews your file. Any money being used as an asset or reserve on the purchase transaction will need to be moved to a U.S. asset account. We will need to obtain a copy of the most recent two months’ asset statements from the foreign account and show a paper trail of the money leaving the account and entering the U.S. account.

Yes. Two years of work history is needed to verify income (i.e., W2s).

Traditionally, loan approval criteria require a credit score in order for you to be eligible for mortgage financing. The international relocation program does allow loan approvals without having U.S. credit. As a substitute we need to obtain a foreign credit report. In situations where a foreign credit report isn't available, we will be required to create a non-traditional credit history. To do this, we will need documentation that supports a minimum of a 12-month payment history on four separate accounts. We will need 12 months of canceled checks or bank statements confirming timely payment has been made. Documentation to support your current credit history for the past 12 months of housing payment, credit card and insurance along with one other account will be needed to create the report.

Provide your Home Lending Advisor with the documents to submit for free translation services. The process takes approximately one week.

Yes. We can use your U.S. corporate housing address on the application. If you’re a repatriating U.S. citizen and would like to apply prior to residing in the U.S., please contact your Home Lending Advisor for further guidance.

Yes. Please provide all housing debt, including foreign liability.

10 business days from receipt of your documents and translation.

60 days from pre-approval.

No. We recommend that you live in the U.S. prior to signing a purchase contract. If you’re a U.S. citizen, you may be able to use a verified address of record prior to residing in the U.S. Talk with your Home Lending Advisor about your unique circumstances.

Apply now