Home Purchase Mortgage Calculators
Mortgage Program Calculators
Your situation is a little tricky but you should be able to make it work. When you apply for a mortgage the lender typically requests recent pay stubs (one month) and W-2s (two years) to verify the applicant's employment. So the employer is not directly involved in the verification process at this stage and cannot learn any information about the home being mortgaged, including its location or address. In most cases lenders also call the employer prior to the mortgage closing to confirm that the applicant remains employed, but again, the lender should not disclose any information about the property or mortgage.
There are a couple of other points to add. First, when you obtain a mortgage to buy a property in a state you are required to work with a lender licensed in that state. For example, if you want to buy a home in Georgia you are required to work with a lender licensed in Georgia. In general, lenders do not provide borrower information to state governments or agencies and a lender licensed in one state should definitely not provide any borrower information to an agency or government of a different state.
Second, if you are overly concerned you can always apply for the mortgage as a second or vacation home. In this case your interest rate may be higher but you eliminate any confusion over what home (and state) is your primary residence.
Finally, because these matters are so important, we advise you to consult a licensed real estate attorney who can provide confidential legal guidance. A good real estate attorney should understand applicable state real estate and possibly labor laws and regulations that apply to your situation. Consulting an attorney may cost you a little extra money up-front but can save you significant time, energy and money in the long run.