FHA Loans for Non-U.S. Citizens
Am I eligible for an FHA loan as a non-citizen?
Non-U.S. citizens can receive FHA loans as long as they are permanent legal residents and have lawful residency in the U.S. Non-U.S. citizens who are approved for an FHA loan will be given the same loan conditions as a regular U.S. citizen. Non-citizens will need to provide proof of eligibility to work in the United States as well as a valid social security number.If you are a Green Card (Form I-551) holder or a non-permanent resident with a valid work visa (Forms E1, E2, H1B, H2A, H2B, H3, L1 and G1-G4) you should be able to obtain a government-backed loan.
A non-citizen must meet the same loan requirements as U.S. citizens, include primary residency requirements and minimum credit score.
What if I’m an asylee or refugee in the U.S.?If you are in the United States under a protected status (i.e.: asylum seeker or refugee) by the U.S. Citizenship and Immigration Services (USCIS), you will not have to produce working papers because your protected status automatically makes you eligible to work in the U.S. You will, however, have to produce the documentation proving that you are an asylee/refugee.
Alternative options?Some lenders will extend a line of credit to non-U.S. citizens. It varies by lender, so be sure to shop around.
Do non-citizen veterans qualify for VA loans?Generally speaking, for a non-U.S. citizen to serve in the military, they must be a green card holder (i.e.: legally living in the U.S.). Non-citizen veterans thinking about applying for a VA loan should contact the U.S. Department of Veterans Affairs at (844) 698-2311 for information on their eligibility status.
Also keep in mind that VA loans are granted for primary residences only and that you will have to produce documentation as proof of service.