UNITED STATES RESOURCE LIBRARY
A clearer next step, for every question.
Explore 22 guides written for this market. Switch countries for the corresponding local guidance.
22 guides in the United States edition
Your first US home
Start with loan choices, a complete monthly housing budget and a lender’s written conditions—not a single online borrowing number.
First homeUS down payments
A smaller down payment can preserve cash, but compare mortgage insurance, loan pricing and closing funds before choosing it.
First homeYour loan paperwork
Prepare the records that support income, assets and liabilities, while keeping the lender’s secure submission process separate.
First homeUS buyer assistance
Check federal loan features separately from state and local assistance, and read the repayment conditions on any second loan.
Self-employedUS business income
Build a file around tax returns, cash flow and business continuity, rather than treating bank deposits as qualifying income.
Self-employedTax-return documentation
Match your federal tax structure to the lender’s income review, and keep current results connected to the filed history.
Self-employedTaxes & underwriting
Understand why an underwriter’s cash-flow calculation differs from your tax bill before making business decisions.
Self-employedNon-QM loan choices
Evaluate a product’s evidence requirements and risks before treating flexible documentation as easier financing.
Rental propertyInvestment-property loans
Compare occupancy, rental-income analysis and reserves before deciding which loan structure fits the property.
Rental propertyDTI versus DSCR
A household debt-to-income ratio and a property debt-service coverage ratio measure different cash flows.
Rental propertyRental closing funds
Investment-property financing often has different cash and reserve requirements from a primary-home loan.
Rental propertyDocument rental income
Separate tax-return income, lease evidence and property cash flow so each number answers the right question.
CreditUS mortgage credit
Review your reports early and distinguish a consumer score from the credit analysis used for the actual mortgage.
CreditCredit before closing
Use a short action list to address report errors and payment risks while keeping your lender informed.
CreditUS credit reports
Check the information used to assess credit, and keep evidence for disputes or unfamiliar accounts.
CreditAfter bankruptcy
Document the credit event and ask which loan-program rules apply before relying on a waiting-period headline.
Moving countriesMoving to the US
Confirm the applicable residency and loan-program rules, then build a clear record of income, assets and credit.
Moving countriesNon-citizen loan options
Identify the actual program before comparing residency documents, credit evidence and down-payment requirements.
Moving countriesA thin US credit file
Ask how the lender evaluates limited US credit history instead of assuming an overseas score carries across.
Moving countriesRelocation documents
Coordinate residency, employment and international funds evidence with the specific lender and loan program.
PreparationYour US mortgage file
Track the lender’s requests from preapproval through closing without confusing document submission with cleared conditions.
PreparationRead the Loan Estimate
Understand the language of points, APR, escrow and mortgage insurance before comparing offers.