Chase International Relocation

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 assist with the best product for 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.