Just moved to the states from UK with wife and son (she is American) filed 0 on her taxes for past three years whilst we were living in the UK.Looking at new homes as we are living with in-laws right now and we have been told only option is to co-sign to be able to purchase a house. We would be on the title but in-laws name will be on the mortgage.This is all due to lack of credit here. I have a pretty good credit rating in the UK but apparently it’s irrelevant here.I am aware of portfolio loans but interest is high. Is that a possibility ?! I start work at the end of the month, would significant checking balance help in anyway? Also told that does not help us by the lady today.Does anyone know what other options we may have? Would a large down payment help in this situation?Thanks!!