Most mortgage programs in the US are limited to US citizens or permanent resident aliens (aka “Green Card” holders); options still exist for many non-permanent resident aliens, however.
In particular, the Ethical Homes team can help many types of temporary resident aliens who are legally working in the US to obtain mortgages. The basic requirements to obtain a mortgage for a temporary resident alien are the same as for a permanent resident alien or citizen; in addition, a temporary resident alien must obtain a US Social Security Number (a non-SSN tax ID number is not acceptable, unfortunately), and provide a copy of their work authorization papers as well as one of the following types of visas:
- A Series (Diplomats, Foreign Government Officials, and Foreign Military Personnel stationed in the US)
- E-1 (Treaty Traders)
- G Series (Representatives to Designated International Organizations”)
- H-1 (Temporary Workers, including H-1B specialists)
- L-1 (Intra-Company Transferees)
- TN (Non-Immigrant NAFTA Professionals)
Mortgages can also sometimes be obtained for other types of non-permanent resident aliens, but the qualification requirements are often very strict.
Interested in exploring your options for getting a mortgage as a non-permanent resident alien in the US? Contact us and we’d be glad to help you out.
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