[bgribble]

You're a "ghost". Your FICO credit score will probably be pretty OK (in the 600s) if you have no derogatory credit, but with no (US) history of high credit, and no established history of attachment to your job and address, any loan analyst worth their salary will be skeptical.

You will probably have to pay a rate premium unless you go through a lender such as a credit union that you have an existing relationship with. Your provable income will be your biggest asset.

As a non-US citizen, it makes sense that you will be perceived as a higher risk of absconding since you could leave the country permanently at any time.