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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.

Chase Closing Guarantee

The Chase Closing Guarantee gives you peace of mind. 99% of our eligible customers experience an -time closing. We guarantee you will too, or we'll give you $5,000, if you qualify.

Direct billing

If qualified, we'll bill your employer directly for all eligible relocation expenses such as closing costs.

Chase Homebuyer Advantage℠ with Lock and Shop

With rates changing daily, get more control when you lock in the rate you want. There are no upfront fees, plus you get a float-down option — all with a conditional letter of approval to show sellers you’re a serious buyer.

Credit profile

We can work with alternatives to a U.S credit report such as a foreign credit report, or help you create a non-traditional credit history.

Special pricing

We offer low, relocation-specific interest rates that lower monthly payments and increase your buying power.

Experienced relocation team

Backed by more than 20 years of mobility industry experience.

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

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, however this is only required for the assets used to qualify for the loan. 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.

We require a minimum loan-to-value (LTV) of 80%, with possible LTV exceptions of 85%-89.99% including substantial compensating factors. 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 that shows money leaving the account and entering a U.S. asset account.

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 with translation if applicable. 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 no-cost translation services. The process takes approximately one week.

We can use your U.S. corporate housing address on the application. Please note, the U.S. address of record cannot be a P.O. Box or a personal mailbox rental.  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. If you are a Foreign National you must be in the U.S. with a valid address prior to application.

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

It can take up to 10 business days from receipt of your documents and translation.

You can anticipate 60 days or more from preapproval.

If you are a U.S Citizen, 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.  If you are a Foreign National you must reside in the U.S. with a valid U.S. address prior to application.