Can you qualify for a home mortgage, reverse or forward, if not a US citizen? Trying to get home loan financing for aliens can be a long and difficult road — though it’s not necessarily impossible. For the purposes of getting a mortgage, U.S. citizens and permanent resident aliens are practically the same, with one subtle difference: The permanent resident alien needs a green card validating their citizenship authenticity in the U.S. If you have a Social Security number, permanent work stability, can provide a copy of your Green Card, and copies of two years federal U.S. tax returns, you should be good to go in most cases.
If you are a non-permanent resident alien the answer is also yes, so long as you can support a three-year continuance of income, have a valid Social Security number, and you have an eligible work visa.
Undocumented aliens have a harder road to travel to get financing…but its not impossible. On a case-by-case basis, we have options for you too, especially if you have family members living in the United States. Best solution? Give us a call and let's discuss it together.