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Can Non Citizens Qualify?

ANSWER: Each loan type has different guidelines for citizens of other countries. FHA requires that the home you are buying in this country is your primary residence. You must have a Social Security card, as well as all of the other documentation required for FHA buyers.

Fannie Mae requires that you have permanent resident alien status - a green card. If you are a non permanent resident alien, an additional down payment, as well as permission to work in the United States for extended periods through a work visa is required, and you must occupy the property.

Freddie Mac underwrites loans for permanent and nonpermanent residents alike, with no special requirements for the latter. It is important that you make an appointment with your lender before you select a home so that you will be aware of the financing available for your particular situation. The great news is that home ownership is encouraged for everyone in this country.