Mortgage Myth #17: You’re Not a U.S. Citizen, So You Don’t Qualify
Non-citizens can qualify for mortgages — here’s what you need to know.
The Myth
If you’re not a U.S. citizen, you can’t qualify for a mortgage.
The Truth
You don’t have to be a U.S. citizen to buy a home here. Permanent residents, many visa holders, and even some non-permanent residents are eligible for mortgage financing.
Why People Believe This
Buying a home is tied to long-term stability, so many assume lenders only approve citizens. Plus, the mortgage process is complex, and misinformation spreads quickly — especially within immigrant communities where stories of rejection or confusion often circulate.
Detailed Breakdown
Here’s how it really works:
- Permanent Residents (Green Card Holders): Treated just like U.S. citizens. You’ll need your green card and standard documentation (income, assets, credit).
- Non-Permanent Residents (Work Visas, etc.): Many lenders allow financing with valid visas such as H-1B, L-1, E, and others. Proof of legal residency status and work authorization is key. We can help!
- Foreign Nationals: If you live abroad but want to buy property in the U.S., specialized loan programs exist. These often require larger down payments and have different guidelines, but it’s absolutely possible.
- Credit and Documentation: As with any borrower, lenders look at credit history, income stability, and assets. Building U.S. credit history is a huge advantage.
Real-World Example
One of my clients, an engineer on an H-1B visa, assumed he couldn’t buy a home until becoming a citizen. He was renting for years, losing thousands of dollars annually. When we connected, I showed him how he could qualify today with his visa and income. We closed on his home within 45 days, and he couldn’t believe how easy it actually was once he had the right guidance.
The Bottom Line
Homeownership is not off-limits if you’re not a U.S. citizen. The key is understanding which loan programs apply to your status and working with a lender who knows how to navigate the details.
Ready to Explore Your Options?
If you or someone you know isn’t a U.S. citizen but dreams of owning a home, let’s talk. I’ll help you create a clear path forward. Check out our free e-books or contact me.
