You can look into asset based lender, or sometimes referred to as DSCR lenders who provide mortgages underwritten by the properties income vs. your income.
I have the money to put down for a mortgage, the only thing is that I don’t have 2 years of job because im not in the us for 2 years.
Is there a solution for that? thanks
If it is for a house you will live in, No, you must have two years. If it is a house you will use hard money for to rehab and sell, it is not necessary to have two years.
You can look into asset based lender, or sometimes referred to as DSCR lenders who provide mortgages underwritten by the properties income vs. your income.
There are lenders out there will work with you. I am not lender so always consult with a lender first. But from what I know there are situations where a lender can use 1 year of job history. Also, let's say you're teacher and you bounced around different teaching positions at different schools in the district. You would still be able to qualify since you have 2 years in the same field. There are also situation where they could count your years in college depending on how long ago you graduated. I suggest searching around for a mortgage broker.