Understanding mortgage guidelines for non-permanent residents and foreign nationals is essential if you’re not a U.S. citizen and want to buy a home. At North Star Mortgage Network, we guide clients through these specific requirements every day. Whether you’re a visa holder, Green Card resident, or using foreign income, this guide will help you understand which loans are available and what’s needed to qualify.

Who Qualifies Under Mortgage Guidelines for Non-Permanent Residents and Foreign Nationals?

Here’s how major mortgage agencies view non-U.S. borrowers:

U.S. Citizens and Permanent Residents

These applicants are eligible for all major loan types: FHA, VA, USDA, Fannie Mae, and Freddie Mac.

Non-Permanent Residents

You may be eligible for conventional and government loans with valid documentation.

  • Fannie Mae, Freddie Mac, VA: Eligible with valid visa or EAD, SSN, and credit/income documentation
  • USDA: Only certain EAD categories (A03, A05, A10, etc.) are eligible
  • FHA: Not eligible for any FHA loan type

Foreign Nationals

Not eligible for standard agency loans. Must apply under Non-QM loan programs where permitted.

Documentation Requirements: Mortgage Guidelines for Non-Permanent Residents and Foreign Nationals

Required Documents:

  • Valid Social Security Number
  • Copy of Visa, EAD, or Green Card (front and back)
  • State-issued ID
  • Two-year U.S. credit and income history (recommended)
  • English translations for all non-English documents

Additional Mortgage Guidelines for Non-Permanent Residents and Foreign Nationals

Foreign Income

  • Must be reported on U.S. tax returns
  • Must be in U.S. dollars
  • Must be stable and likely to continue
  • Must be verified per agency standards

Foreign Debt

  • Must be disclosed
  • Must be included in DTI ratios
  • Must be documented with credit reports or bank statements

Visa Expirations, Renewals, and Special Cases

If a visa or EAD expires within 12 months, you must:

  • Provide history of past renewals
  • Show proof of an extension request or new status application

DACA Borrowers (EAD Type C-33)

  • Eligible for: Fannie Mae, Freddie Mac, VA, some bond programs
  • Not eligible for: FHA and USDA

Borrowers with Diplomatic Immunity

Not eligible due to jurisdiction restrictions. Verify status using official government records.

Mortgage Insurance & Non-QM Products

Some PMI providers may not accept all visa types. C-33 (DACA) may be excluded from certain guidelines. For Non-QM or jumbo loans over $1M, documentation is even stricter.

Why This Matters

The mortgage guidelines for non-permanent residents and foreign nationals are different for each loan type and investor. Getting clear guidance upfront prevents delays and denials later.

Work With North Star Mortgage

At North Star Mortgage Network, we understand every guideline—from USDA rules to Freddie Mac’s requirements. We’re here to help you qualify with confidence.

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