Knowledge center
The parts nobody explains.
Every article here exists because the same question keeps arriving, and because the answer people are usually given is either vague or wrong.
Where something has not been confirmed, these say so rather than filling the gap. Each one also exists in Spanish, and the Spanish is the version that was written first.
Credit
Building credit from nothing: where to start with a thin or empty file
With no credit history nobody can score you, and that is not a failing grade. Here is what to open, in what order, how long the clock really runs, and which receipts to start keeping today.
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ITIN
Buying a home with an ITIN: what is possible, and what it costs
ITIN mortgages are real, with the deed in your name. The down payment is 15 to 20 percent and there is no minimum credit score. Here are the real conditions, and the questions still open.
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The process
The documents you will be asked for, and why each one
A lender is asking four questions: who you are, what comes in, what you have saved, what you owe. Here is the exact list, what changes for cash income, and the mistakes that stall a file.
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Next step
Reading only gets you so far.
Israel answers his own cell, in English or Spanish. Twenty minutes, no application, no credit pull, and you leave knowing whether there is a path and what it would cost.