A multi-mode mobile station comprising 1) reconfigurable transceiver circuitry for communicating with wireless networks operating under different air interface standards; 2) a memory for storing at least a download configuration file and a home configuration file; and 3) a main controller for configuring the reconfigurable transceiver circuitry to operate according to a home network wireless standard using home configuration data retrieved from the home configuration file. If the main controller determines that a network operating according to the home network wireless standard cannot be found, the main controller is further capable of configuring the reconfigurable transceiver circuitry to operate according to a download channel wireless standard using download configuration data retrieved from the download configuration file. The main controller then establishes a download channel with a local roaming wireless network and downloads a roaming network configuration file from the roaming wireless network over the download channel.