Non Permanent Resident

Non Permanent Resident FICO 660

A&D Mortgage specializes in home mortgage financing for non-U.S. citizens who are authorized to live and work in the U.S. on a temporary basis.

The process for a Non-QM loan is similar to typical mortgage loan applications, but some additional documentation is required for non-permanent residents who are seeking a home loan. As a result, it is best to work with a lender who is experienced in this area, and A&D Mortgage is a leader in this field.

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FICO 660
Up to 85% CLTV
Bank statements allowed

Fast turnaround times


24 hours


24 hours


24 hours


24 hours

24 hours

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Non Permanent Resident FAQ

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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Full Doc Non-QM

90% CLTV No Score or FICO 599
  • No Score or FICO 599
  • 90% CLTV
  • Loan amounts up to $4 million
  • Max cash-on-hand $1 million, no limit for LTV < 55%

Conventional High Balance

Loans up to $970,800
  • Loan amounts up to $1,089,300 in high-cost areas for a single unit
  • Eligible for primary and secondary homes
  • More competitive rates and easier guidelines
  • Faster turn times