We're thinking of moving to Florida in a year or so. By then, I will have been out of the US for 11 years, I left when I was 26. How will it work with us trying to get a mortgage? I have good credit over there, I paid off student loans, had credit cards I always paid off, had bank accounts....but not for a decade now. Will we have to wait a certain amount of time to build up credit? And it will be my husband getting a job while I look after our kids, so the mortgage would probably be in his name, and he has no credit over there at all, he's the UKC.