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are you a non-us citizen residing here in America and have the desire to buy a house and get a mortgage well good news is you probably can not everybody can but most of non-us citizens can you're probably going to fall into one of three different categories you're either going to be here legally with an employment authorization document an EAD in that case you qualify for nearly any loan out there two maybe you don't have an EAD but you're here on a Visa and majority of visas that are issued in America do qualify for conventional mortgage or maybe you're not here legally maybe you're undocumented but you have a taxpayer ID number and you've been paying taxes for years and at that point we can get you a loan as well all the cases that I mentioned you're going to need to have U.S credit history if you just showed up yesterday you're not gonna be able to get a loan but if you've been here for a couple years and you've established the U.S credit history you're going to be able to get a mortgage you'll need U.S income and you're going to need to have some assets here in America for the down payment so let's say you're a taxpayer ID person your your status undocumented but you're paying taxes on your tax returns maybe you're in a flower shop maybe you own a landscaping company maybe you own a painting company those are the types of people that have helped out in the past recent past you're participating in the American economy in a good way you deserve to get a house your interest rate may be a little bit higher your down payment might be a little bit higher but we're still going to be able to get your house if you're here with an EAD you're gonna be able to get any house you want you probably be able to do a 3.5 down FHA if you got the income and the credit and the assets if you don't have any AD but you're here on a Visa a permanent you know a long-term Visa or maybe you're here on a green card you're gonna be able to get a house so just like as you are attempting to get your visa or your green card Coming to America the mortgage aspect of it is just as complex so some of the challenges you may run into are Credit Income asset or occupancy restrictions an example I recently closed a loan for a Filipina teacher who is here on a very specific Visa that is only for Filipino teachers or Doctors medical professionals Coming to America to teach they don't get an EAD their visa acts as an EAD but it's not an e80 so in that specific instance you could not get an FHA loan you could get a conventional loan and that's what I did for her you may run into challenges where your Visa is expired and you're working through the renewal process if it's expired and it has never been renewed before you probably won't be able to get a loan but if your Visa has been renewed before or you can show that it's renewed but you're waiting on USCIS backlog which is very common right now then you should be fine if you're on a work visa and it's about to expire then as long as it has been renewed in the past you'll be fine so there's a number of challenges you can run into in this and you need to make sure that you have a loan officer that is knowledgeable in all the intricacies of this I've decided to get to specialize in this because my wife is now a year citizen but she you know she immigrated here through the K1 Visa process I adopted my daughter from Russia many many years ago so I have a special heart for people that are coming to America to live that American Dream everybody deserves that if they do it the right way and work hard and that type of stuff so give us a call we'll be honored to help you out and help you achieve that American Dream