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Mortgage  Question?
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Can I transfer a mortgage to a different state?

If I am approved for a mortgage in a particular state can I use it anywhere in the U.S. or do I have to use it in the state in which I am approved?

Michael Jensen, Mortgage and Finance Guru
, Mortgage and Finance Guru

If you are approved for a mortgage in one state your mortgage approval does not transfer to another state. If you move states you will be required to submit a new mortgage application in the new state including updated information on the property you are financing. If you are working with a lender that has branches in multiple states the lender may be able to transfer some of your application information from one branch to another but you will still be required to submit a new mortgage application in the new state because you are likely financing a different property. Please note that if you are approved as a borrower in one state you will likely be approved as a borrower in another state (as long as your personal financial profile remains the same) but your mortgage application is subject to additional lender requirements including reviewing the property appraisal and title report. You can review lenders in multiple states using the INTEREST RATES function on FREEandCLEAR.

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About the author

Michael Jensen, Mortgage and Finance Guru

Michael is the co-founder of FREEandCLEAR. Michael possesses extensive knowledge about mortgages and finance and has been writing about mortgages for nearly a decade. His work has been featured in leading national and industry publications. More about Michael

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