OVERVIEW

Our Mortgage Consultants will provide expertise to guide you through the home financing process from start to finish. You can expect the following:

Our best rates3 on Premier Deluxe Mortgages1 and preferred rates3 on Advance Deluxe Mortgages2
Up to $3 million in financing for fixed and adjustable rate mortgages (ARM)4
Favorable rates on cash-out refinances occurring within six months of an all cash purchase5
Loans up to 75% of your appraised property value or purchase price, whichever is lower
Closing cost credits up to $1,500 on Premier Deluxe Mortgages

Whether you are purchasing a home in the U.S. to reside in or as an investment, why not select the bank that experienced in providing home financing solutions for international borrowers?

HOW TO APPLY

Step 1:
Pre-Approval and Application
When financing property in the U.S., a mortgage1,2 pre-approval can simplify the process. We will check your financial background to determine how much money you are qualified to borrow and the estimated interest rate you will pay.
Advantages of a pre-approval include:
A written 90-day commitment
Additional leverage when negotiating with a seller
The ability to focus on homes in your price range
The security of knowing you will receive a competitive rate

To start your pre-approval or mortgage application today, you can call 866.731.4722 from within the US or 716.841.6820 collect from overseas.

Step 2:
Credit verification
You do not need U.S. credit history to be eligible to apply for a mortgage loan. We will order your international credit report for your application. Additional information may be needed to complete credit verification.

Step 3:
Documents you may need
There are a number of documents that you must supply when applying for a mortgage in the United States, but keep in mind that the exact documents needed may vary in different parts of the U.S.
In general, you will need documents that verify the following:
Your identity
Income
Employment
Assets

You may want to consider having a real estate attorney review all contracts, and consult with a tax specialist regarding your potential tax liabilities.

U.S. Mortgage Document checklist
Your Standard Truist Financial Mortgage Consultant will help you with all necessary documentation. Our U.S. Mortgage Document checklist can help you get started.
Download checklist Download checklist Download link

Step 4:
Closing on your U.S. home
A real estate closing is the final step in your home purchase. At the closing you will be signing legal documents and settling all of the costs needed to transfer ownership of the property. The following professionals are typically included in closing meetings:
Sellers
Buyers
Seller's attorneys
Buyer's attorneys
The bank
The insurance official

Once you have closed on the property, you should have mortgage documentation, and most importantly, keys to your new home.
Closing costs
Closing costs can include: recording taxes, attorney's fees, the sales commission, title insurance, bank fees, and other fees. Use this tool to estimate your closing costs.
Your Zarm relationship will give you access to a wide range of banking and wealth management services designed to make your move or visit to the U.S. as easy as possible.