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  • LOAN PORTAL

NON-PERMANENT RESIDENT

CLICK TO APPLY - PURCHASE
CLICK TO APPLY - REFINANCE

YES, to Permanent & Non-Permanent Residents

Overview:

 

  • FICO 660+

 

  • Up to 85% CLTV

 

  • Bank Statements Allowed

 

  • Mortgage Financing for Non-U.S. Citizens

 

  • Get the same Competitive Interest Rates as Permanent Residents

 

  • No Down Payment Required

Frequently Asked Questions (FAQ)

What Is a Non-Permanent Resident?

 

A non-permanent resident is a person living in the United States with a social security number but not a green card. Typically living in the United States for employment reasons, non-permanent residents can live here for years and want to buy their own homes and build equity.

How can a Non-Permanent Resident qualify for a loan?

 

It is a pretty straightforward process as we just need to prove the applicant’s eligibility status:

 

Borrowers are still eligible if their Green Card has expired.

Borrowers must present their I-485 (Application to Register Permanent Residence) and their I-797 (Notice of Action) as proof that they have applied for visa renewal.

The I-797 form cannot say that the borrower’s application for visa renewal has been denied.

The I-797 form alone is not sufficient for loan eligibility. The borrower must also present their I-485 to prove their legal status in the United States.

The following visa types are eligible: E1-3, G1-5, H-1, H-1B, L-1, TC and TN-1.

If the borrower’s visa is sponsored by their employer, the borrower must present written confirmation that their employer is planning to renew it.

Borrowers must present a valid social security number. A tax ID number is not an acceptable substitute.

Borrowers with diplomatic immunity are not eligible for the program.

DACA borrowers are eligible for a mortgage if they meet all requirements outlined above.

  • licensing
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ABOUT MCF MORTGAGE

 

We have built a powerful reputation as an outstanding mortgage lender serving the lending needs of real estate professionals, builders, and individual homebuyers and homeowners. As a full-service mortgage lender, we have experienced staff offering expertise in every area of mortgage lending ... from purchase to refinance to construction lending. We provide access to a full range of mortgage sources and all our lending specialists are dedicated to finding the right loan - with the best rates, terms, and costs - to meet their unique needs.

 

Texas Complaint/Recovery Fund Notice

 

Corporate NMLS: 1061701

www.nmlsconsumeraccess.org

Corporate Headquarters

 

3 Bethesda Metro Center, Suite 700

Bethesda, MD 20814

(800) 990-2789 | info AT MCFmortgage.com

ABOUT MCF MORTGAGE

 

We have built a powerful reputation as an outstanding mortgage lender serving the lending needs of real estate professionals, builders, and individual homebuyers and homeowners. As a full-service mortgage lender, we have experienced staff offering expertise in every area of mortgage lending ... from purchase to refinance to construction lending. We provide access to a full range of mortgage sources and all our lending specialists are dedicated to finding the right loan - with the best rates, terms, and costs - to meet their unique needs.

 

Texas Complaint/Recovery Fund Notice

 

Corporate NMLS: 1061701

www.nmlsconsumeraccess.org