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How can I get approved for a home loan if I am moving to another state?

Gennie Goose asked:

Hi! My husband and I are trying to move to Arizona in the next year and buy a house. This will be my first home. We both work full time jobs in California now. Any home loan advisors out there? Can you tell me how I can get approved/pre-approved for a full 30-40 year home loan when we have not yet gotten new jobs in the state we’re planning on moving? One thing I heard is if we plan to rent out the property, then we can get approved for a loan. Please help!
Asked on: 2009-07-07 21:14:43


  1. Getting pre-approved is simple. Contact a broker in that state and city where you will be moving. As long as you stay in the same career fields you are in now it should be no problem or you are moving for more $$$ in your new jobs. All loans require collateral, capacity to pay and credit. If all are good then you will have no problems. Google the yellow pages under mortgage banker/brokers in the city you plan to move.
    I am a mortgage banker in TN

  2. baconshmals says:

    Getting approved in a different state should not be a problem, as long as the job you’re moving to is in the same field that you are currently in.

    You can go to a nationally licensed broker if you prefer that, rather than a local broker, since they are sometimes limited.

    If you want a little more advise, contact me, or check out our website.

  3. V says:

    Gennie, please email me, my husband and I can help you, I process loans and he is a mortgage broker licensed in AZ. You can still get prequalified with no work in AZ as of yet… it depends on the lender.
    please email me at so i can give you his #. Nothing is impossible!

  4. loanman46 says:

    There are several options that include declaring the proerty as investment property but that would not yield the rate you are looking for.

    There are loan programs that will not require income information as long as the scores are ok and you have a down payment…even a 5% down payment will work.

    Here is some additional info. Hope this helps.

  5. Hi ,
    Am from AZ itself .Write the case details at .Will provide you all the options that are open for you .And will you be working in AZ for the same employer for whom you are working now in CA? If so it is most easy .Otherwise have to dig up a bit the options!!!!!!!!1

    Loan Officer

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