Some non-U.S. citizens can qualify for a mortgage, but residency documentation and loan-program rules matter. Conventional and FHA rules differ. A lender must review your situation; this page does not determine immigration status or loan approval.
Keep conventional and FHA rules separate and ask which residency records the lender needs.
Fannie Mae permits qualifying lawful non-permanent residents; current FHA rules exclude this category for affected case numbers.
Check this case
Ask which records support your lawful non-permanent residency for the conventional program being considered.
Understand the consequence
Fannie Mae permits qualifying lawful non-permanent residents. FHA removed this category for case numbers assigned on or after May 25, 2025. Do not assume the two programs have the same rules.
Plan the next step
Review the full loan requirements with the lender. Use a qualified adviser for immigration questions; this is not immigration advice.
Your documentsAConventional and FHA options may be available, subject to documentation and all other loan rules.Details +
Some non-U.S. citizens can qualify for a mortgage, but residency documentation and loan-program rules matter. Conventional and FHA rules differ. A lender must review your situation; this page does not determine immigration status or loan approval.
The program rulesBFannie Mae permits qualifying lawful non-permanent residents; current FHA rules exclude this category for affected case numbers.Details +
Ask the lender which documents are needed; use a qualified adviser for immigration questions.
What Is Mortgage Preapproval?
Preapproval is a lender's tentative statement about a loan amount based on information and assumptions reviewed. It can help you shop, but it is not a guaranteed mortgage or approval of a particular property.
Can Overtime or Bonus Pay Count Toward a Mortgage?
Yes, overtime or bonus pay may count if the lender can document a reliable history and the income meets the loan program's rules. One unusually large paycheck does not set the amount you can use.
Can I Get a Mortgage on a Manufactured Home?
Some manufactured homes qualify for mortgage financing. The home, land, foundation, legal title and loan program all matter. A loan on the home alone can be different from a mortgage on a home and land.
A few good questions
Is U.S. citizenship always required?
No. Some non-U.S. citizens can qualify when documentation, residency and the loan program's other requirements are met.
Are Fannie Mae conventional and FHA residency rules identical?
No. Fannie Mae permits qualifying lawful permanent and non-permanent residents. FHA removed the non-permanent-resident category for case assignments on or after May 25, 2025; other rules still apply.
Does an eligible residency category guarantee approval?
No. The lender reviews the full application and documents. This page does not decide immigration status or give immigration advice.
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