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AD Mortgage

Non Permanent Resident

YES to Permanent & non-permanent aliens

  • All transaction types
  • U.S. mortgage financing for non-U.S. citizens
  • Get the same competitive interest rates as permanent residents
  • No down payment required
  • Easy online application process
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Features

FICO 660
Up to 85% CLTV
Bank statements allowed

Turnaround Times

1
Disclosure
24 hours
2
Conditions
24 hours
3
Underwriting
24 hours
4
Closing
24 hours

Easy start

Just 5 simple steps to get this loan program

1
Choose a program
Start now
2
Fill form and send the application
3
We will
reach you back
4
Submit a Loan

Non Permanent Resident Frequently Asked Questions

What Is a Non-Permanent Resident?

A non-permanent resident is a person living in the United States with a social security number but not a green card. Typically living in the United States for employment reasons, non-permanent residents can live here for years and want to buy their own homes and build equity.

How can a Non-Permanent Resident qualify for a loan?

It is pretty easy. We just need to prove the applicant’s eligibility status:

  • Borrowers are still eligible if their Green Card has expired.
  • Borrowers must present their I-485 (Application to Register Permanent Residence) and their I-797 (Notice of Action) as proof that they have applied for visa renewal.
  • The I-797 form cannot say that the borrower’s application for visa renewal has been denied.
  • The I-797 form alone is not sufficient for loan eligibility. The borrower must also present their I-485 to prove their legal status in the United States.
  • The following visa types are eligible: E1-3, G1-5, H-1, H-1B, L-1, TC and TN-1.
  • If the borrower’s visa is sponsored by their employer, the borrower must present written confirmation that their employer is planning to renew it.
  • Borrowers must present a valid social security number. A tax ID number is not an acceptable substitute.
  • Borrowers with diplomatic immunity are not eligible for the program.
  • DACA borrowers are eligible for a mortgage if they meet all requirements outlined above.

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