Expats Buying a USA Home
Search listings in all 50 states, get pre-approved, and close with Warren M. Factor — direct lender pricing, fast underwriting, and a single broker from your first search to the day you get the keys.
One broker from your first search to the keys
Buying a home in the USA should feel straightforward — not overwhelming. For nearly 30 years, Warren M. Factor has helped buyers across 32 statessearch, finance, and close on the right home. You find the property; Warren handles the loan, the rate, and the closing — with direct lender pricing and no middleman markups.
From pre-approval to closing
Five clear steps — and one broker with you at every one of them. No call centers, no runaround, no surprise fees.
Get pre-approved
Start with a verified pre-approval — not a pre-qualification. Warren reviews your income, assets, and credit, then issues a direct-lender pre-approval letter that tells sellers you're serious and locks in your buying power.
Find your home
Search live Zillow listings in any of the 50 states by city, ZIP, or address. With your pre-approval in hand, you know your exact budget and can move the moment the right home hits the market.
Make an offer
Once you've found the home, Warren helps you structure a clean, competitive offer. Direct-lender pricing means no middleman markups, and your pre-approval backs your offer with real financing.
Underwriting & appraisal
After your offer is accepted, Warren's in-house underwriting takes over — ordering the appraisal, verifying your documents, and clearing conditions. One broker, one point of contact, no call-center handoffs.
Close & get the keys
Warren coordinates your final signing, wire, and funding. No surprise fees, no last-minute surprises — just a clear closing statement and the keys to your new US home.
Smart moves for US home buyers
Start with pre-approval, not the listing
Knowing your budget before you search keeps you focused on homes you can actually finance — and lets you move the moment the right one appears.
Lock your rate early
Rates move daily. Warren locks your rate at the right moment so a market swing between offer and closing doesn't raise your payment.
Budget for closing costs
Beyond the down payment, plan for title, escrow, taxes, and insurance — typically 2–5% of the purchase price. Warren lays out every cost upfront.
Pick the right loan program
Conventional, FHA, VA, jumbo, or asset-based — the best fit depends on your credit, down payment, and goals. Warren matches you to the lowest-cost option.
Inspect before you commit
A professional home inspection protects you from costly surprises. Warren coordinates timing so your loan and your inspection stay in sync.
One broker, 32 states
Your single point of contact from pre-approval to closing — no call-center handoffs, no lost paperwork, no surprise fees.
Browse popular US markets
Jump straight into Zillow listings in the country's most-searched markets — or pick any US state below.
Browse homes by state
Warren is licensed in 32 states. Pick any state below to open live Zillow listings — then call Warren to finance your purchase.
Answers for US home buyers
Can I buy a house as a foreigner?+
Yes. Anyone can buy property in the USA regardless of citizenship. Non US citizens, permanent residents (green card holders), and foreign nationals all have the legal right to purchase property in the United States. Foreign ownership is generally permitted, but some states have legal restrictions on the types of property foreigners can own. It's important to check local laws before buying. Property ownership does not grant residence status or an appropriate visa. These must be obtained separately if you wish to live in the US.
How much do I need for a down payment?+
It depends on the loan. Conventional loans can require as little as 3% down, FHA as little as 3.5%, and VA loans can be 0% down. Warren will quote your exact minimum once he reviews your file.
What credit score do I need to buy a home in the USA?+
Conventional loans typically want 620+, FHA accepts lower scores, and asset-based or foreign national programs can qualify you without a US credit file at all. Warren finds the program that fits your profile.
How long does the home-buying process take?+
From pre-approval to closing, most purchases close in 30–45 days. Warren's direct-lender underwriting keeps timelines tight and predictable.
Can I buy a home in the USA if I live abroad or am not a US citizen?+
Yes. Warren closes foreign national, ITIN, and asset-based loans for international buyers. If that's your situation, visit our Mortgages for Expats page for tailored guidance.
What's the difference between pre-qualification and pre-approval?+
A pre-qualification is a quick estimate. A pre-approval is a verified commitment from a lender — and it's what sellers expect to see with a serious offer. Warren issues real pre-approvals.
Get pre-approved today
Sellers want a pre-approval, not a pre-qualification. Warren issues direct-lender pre-approvals so your offer stands out — and your rate is locked the moment you find the right home.
- Conventional, FHA, VA & jumbo loans
- Direct lender pricing — no middleman markups
- Pre-approvals that sellers take seriously
- Fast underwriting and predictable timelines
- Serving 32 states since 1996
Ready to buy in the USA?
Call Warren for today's exact rate and a pre-approval built around your purchase — wherever you're buying.
NMLS #351633. Equal Housing Lender. This is not a commitment to lend. Terms and conditions apply. Program subject to change or cancellation without notice.