Ask the AI assistant. It can help you find a guide about life in the USA – from taxes to Green Cards.
Learn how the SCRIE and DRIE programs can assist seniors and individuals with disabilities in New York in reducing their rent. Understand the requirements, application process, and potential savings over the years.
Learn about the housing options available for seniors in New York City, including NYCHA senior buildings, Section 8 programs, Mitchell-Lama, and senior housing lotteries.
Selling Polish real estate from the USA requires three key decisions: (1) in-person vs. through a representative (notarized PoA with apostille from the USA), (2) Polish notary (notarial deed mandatory for sale), (3) PIT-39 taxes if sold within 5 years of purchase (19% on income). Without ownership for 5+ years – taxation applies. Power of attorney typically costs $50-150 notarized in the USA + apostille $5-50 + translation $30-100. Selling through an intermediary incurs a 2-3% commission, while selling directly does not. Money transfers to the USA: SWIFT transfer $20-50 fee + spread. Consulting a Polish tax advisor is crucial (cross-border tax issues USA-PL). The Polish-US tax treaty protects against double taxation. Funds in the USA are subject to US tax reporting (FBAR, Form 8938 if previously on Polish account >$10k).
Purchasing Polish real estate from the USA can be done through a power of attorney (PoA with apostille) or in person, with various financing options and tax implications to consider.
Poles without a long history in the USA can buy a home – the process takes 3-6 months, costs approximately 25-30% of the price in cash (down payment + closing + reserves). A complete guide for immigrants: real estate agent, when to apply for pre-approval, Polish community locations, inspection, negotiations, closing, mortgage with ITIN, taxes, insurance, common pitfalls.
Mortgage is an American home loan – a key tool for purchasing a home. A complete guide: types (Conventional, FHA, VA, USDA, Jumbo), 15 vs 30 years, fixed vs ARM, down payment (3-20%), PMI, closing costs (~3-6%), credit score requirements, how a Pole without credit history can apply, Polish mortgage brokers.
An FHA loan is a federally insured mortgage for first-time buyers and those with low credit scores, detailing conditions (3.5% down with 580+ credit), MIP (mortgage insurance for the life of the loan), limits, income requirements, how a Polish immigrant applies, and pros and cons compared to Conventional loans.
Renting an entire apartment in expensive cities (NYC, SF, Boston) can be impossible for a new immigrant; renting a room for $700-1500 is an alternative, with a complete guide on roommates vs sublease, where to search (Roomi, Polish community Facebook groups), agreements, housing scams, how to be a good roommate, and eviction risks.
Landlord wants to evict you? A comprehensive guide: types of eviction (non-payment, lease violation, no-cause), court process state by state, tenant rights, how to defend yourself, Polish community assistance organizations, Section 8 / public assistance, what to do after eviction.
A fresh immigrant without a credit history? What landlords really check, how to negotiate, offered alternatives (co-signer, larger deposit), which cities are friendly, pitfalls, and how to bypass a credit check.
Specific strategies for new immigrants: guarantor, larger deposit, shared apartment, no-fee apartments – what works in 2026.
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