<prompt> Human: I have zero debt, 250k in the bank, but I have been living in Columbia for a decade so I have not been building up any credit. Im thinking of moving to the US to get a small home to move my family to, but I am worried about how to get a loan considering Ive been completely off the US financial radar for a decade. Ive been filing my taxes all these years if that helps.  <response>: With that much cash, you could purchase a small home outright without a loan.If you have a job lined up and have a job to prove your income is stable, plus show proof of your assets, I think someone would give you a loan. You may have to look around to find a lender that will work with you to use information beyond your credit score to approve you for the mortgage. 