debt net worth ratio

Applying for a mortgage in the US reporting debt in another country?
We have a mortgage in Canada but are permanent residence is now in the United States. The home has been a second home/vacation home but we are now wanting to purchase a new home in the US. My mom is going to take over our payments in Canada and live in the house. When we apply for a mortgage do we have to report the mortgage payment in Canada as we won’t have a monthly debt but we do have alot of equity that contributes to our net worth. We are worried we won’t get approved because it will hurt our debt ratio. I was told that because it won’t show on a US credit report and the debt is another country we don’t have to report it but our income tax returns shows the mortgage. Any advise greatly appreciated
My husband and I bought a house in the U.S. and I can tell you that our credit cards from Canada did not show up.
I know that you will need to submit some income tax returns to the lender. How long have you been in the states will also be a factor.


