1. Is there any possibility that your parents are actually helping your brother by buying another house?
2. You can apply for mortage in China, the down payment is 30%. You pay $20k down and your parent $20k down. HongKong's East Asia bank is very friendly in doing mortage for freigners. They have branch in Beijing, HongKong and LA/Acadia/Abraham area. You ony need to borrow < $100k with 5% interest rate, or $800 a month. Also the title is under your name.
2. You can apply for mortage in China, the down payment is 30%. You pay $20k down and your parent $20k down. HongKong's East Asia bank is very friendly in doing mortage for freigners. They have branch in Beijing, HongKong and LA/Acadia/Abraham area. You ony need to borrow < $100k with 5% interest rate, or $800 a month. Also the title is under your name.
