Non-Permanent Resident Loans

Program Overview

Non-Permanent Resident Loans provide specialized mortgage financing for individuals with valid temporary visas who want to purchase property in the United States. These programs are designed for those on work visas, student visas, or other temporary status who have stable US income and employment.

How It Works

These programs accommodate the unique needs of non-permanent residents by considering visa status, remaining time on visa, US employment stability, and the potential for future permanent residency or visa renewal.

Key Benefits

• Visa Flexibility: Work with various temporary visa types
• US Employment Focus: Consider US employment and income
• Competitive Rates: Rates comparable to permanent resident loans
• Investment Properties: Available for investment and personal use
• Fast Processing: Streamlined underwriting for qualified borrowers

Program Requirements

Visa Requirements

• Valid Visa: Must have current, valid temporary visa
• Visa Type: H-1B, L-1, F-1 with OPT, or other work visas
• Remaining Time: Sufficient time remaining on visa
• Visa Renewal: Potential for visa renewal or status change

Credit Requirements

• Minimum Credit Score: 680
• Credit History: US credit history preferred
• Credit Building: May help establish US credit history
• Payment History: No recent late payments

Employment Requirements

• US Employment: Must have stable US employment
• Employment History: Minimum 2 years of employment history
• Income Verification: US W-2s, pay stubs, or business documentation
• Employment Stability: Demonstrated ability to maintain employment

Income Requirements

• Stable Income: Minimum 2 years of stable income
• Income Verification: US income documentation required
• Income Stability: Demonstrated ability to maintain income
• Debt-to-Income: Maximum 43% DTI ratio

Property Requirements

• Property Types: Single-family, condos, townhomes, investment properties
• Occupancy: Primary residence, second home, or investment property
• Location: All 50 states
• Property Value: No maximum limit

Down Payment Requirements

• Minimum Down Payment: 25%
• Source of Funds: Must be properly documented
• US Funds: US funds preferred for down payment
• Asset Verification: Down payment source must be verified

What to Expect

Step 1: Visa Verification

We'll verify your visa status and remaining time to determine eligibility. This includes analyzing your visa type, expiration date, and renewal potential.

Step 2: Employment Review

We'll review your US employment and income stability. This includes analyzing your employment history, current position, and future prospects.

Step 3: Loan Application

Complete the mortgage application with our non-permanent resident specific underwriting process. We'll guide you through the documentation requirements.

Step 4: Documentation Review

Our specialized team will review all visa and employment documentation. This includes verifying visa status, employment verification, and income documentation.

Step 5: Approval & Closing

Once approved, you'll proceed to closing with terms that reflect your visa status and US employment stability.

Who This Program Helps

• H-1B visa holders with stable US employment
• L-1 visa holders transferred to US offices
• F-1 students with OPT or CPT authorization
• Other work visa holders with US employment
• Temporary residents wanting to invest in US property

Maria Rodriguez Mortgage Solutions

• Phone: (555) 987-6543
• Email: maria@mariarodriguez.com
• NMLS: #7654321

Don't let temporary visa status prevent you from achieving homeownership. Our non-permanent resident programs can help you qualify.