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Get preapproved for a mortgage. This is a critical step, particularly if you already have a home loan and will add to your debt level. Depending on what you owe on your
primary residence, you may be limited by what a lender is willing to give you for a vacation home mortgage. Alternatively, look into refinancing your primary residence at a lower rate
for cash to buy a second home. See How to Shop for a Mortgage and How to Refinance Your Home.
Think about what sort of vacation home you want: a cabin, a house or a condo? Condos come with additional issues, such as home owners associations
Buying a vacation home--that haven away from it all--is an enticing thought, but the process is subject to the same practical considerations as any other financial decision you may
make. Know what you're looking for, shop aggressively and pay attention to the numbers to ensure you walk away with the best deal possible.
Instructions
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Visas fall roughly into two classifications, non-immigrant (for visitors, employees, and missionaries, for
example), and immigrant (permanent visas for things like the visa lottery, families intending to move
permanently to the USA, business investment, and new marriage partners). The K-1 visa is in a bit of a grey
area: although it is officially called a nonimmigrant visa, applicants intend to apply for immigrant status
after arriving in the USA.
A US citizen may marry any foreigner under the law of their desire, with the fewest exceptions necessary.
Human rights laws, international law, and US constitutional law together create the right of a US citizen
to marry a fiancee of their (mutual) choosing, no matter what the citizenship (national origin, race) of
the fiancee. The legal philosophy behind the bureaucracy (forms, interviews, and proofs) of K1 visas
(along with visas for spouses and their family members) is that the government can limit human and
constitutional rights only if there is a compelling state interest, or, in other words, an overriding
concern that affects the rights of other citizens. And the USA has established a large list of reasons:
national security, controls against subversives, crime, etc.[citation needed]
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After marrying, an "Adjustment of Status" (using a USCIS form I-485[2]) must be filed that will convert the
K1 fiancé(e) and K2 children status to that of "Conditional Lawful Permanent Resident Status", e.g., a green
card. It can take as long as a year after the filing of a correct I-485 to be invited to a local USCIS Office
for an interview of the Petitioner, K1 fiancé(e), and any K2 children. The interviewer is essentially
interested in ascertaining if the marriage is legitimate, and will ask questions a genuine couple should have
no issue answering, for example, "Who normally does the grocery shopping?", "What night does the garbage go
out?", "When was the last time your spouse took the day off work?". If the interview goes well, the I-551
"green card" will arrive in the mail in a few weeks - although post September 11, this time has been increased
due to a backlog in CIA processing of background checks. If the Petitioner or the fiancé(e) does not attend the
Interview, the fiancé(e) will lose legal status and must leave the US.
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