Location
Vancouver, Washington
Industry
Residential
Scope of Work
GMCC Universe Loan for New Immigrants
Timeline
14 months
Year
2026
A newly arrived couple from overseas dreamed of owning a home in Vancouver, WA, but with no U.S. credit history and no domestic employment record. Through the GMCC Universe program, David and his team approved their application and closed on their first U.S. home.
Strategy
Instead of a FICO score, we documented their overseas income, assets, and payment history to build a complete borrower profile.
Our Approach
Pre-approval in 24 hours, a clean offer accepted by the builder and in-house underwriting guaranteed a 14-day closing requested by builder.
Before
No U.S. credit score, no W-2, and multiple rejections from conventional lenders. The couple assumed homeownership in U.S. was years away.
After
The GMCC Universe Program secured borrower's first dream house in U.S. and they can refinance as their credit and employment history build.
“We are incredibly grateful to our loan officer, David Guo, for his outstanding professionalism and dedication throughout our home purchase process.” — Kaine L., New Immigrant Home Buyer
