You searched:
“can I get a mortgage as a new immigrant”
New to the country does not mean locked out of homeownership. Permanent residents, visa holders, and even some non-permanent residents can qualify for mortgages. Programs exist that accept ITINs, foreign credit history, and alternative documentation.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1No US credit history established yetSolution exists
- 2Unfamiliar with American mortgage systemSolution exists
- 3Unsure about visa or residency requirementsSolution exists
- 4Fear of documentation requirementsSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
ITIN Mortgage Programs
Non-QM lenders offer mortgages to borrowers with Individual Taxpayer Identification Numbers instead of Social Security numbers.
Available nowForeign National Loans
Specialized programs for non-permanent residents with work visas, requiring 20-25% down.
Available nowBuild US Credit
Open a secured credit card and start building a US credit profile. A qualifying score can be established in 6-12 months.
May take timeTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200New to the US? We help immigrants buy homes.
Start Your Application
Takes about 5 minutes. No obligation. No credit check until you are ready.
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Frequently Asked Questions
No. Green card holders qualify for all major programs. Visa holders and ITIN holders have specific programs available. Citizenship is not required.
Some lenders accept international credit reports or bank references from your home country as alternative credit documentation.
Valid visa or green card, ITIN or SSN, proof of income in the US, and bank statements. Requirements vary by program and immigration status.
New to the US? We help immigrants buy homes.
We will reach out at a time that works for you. No pressure, no obligation.