Non-permanent resident mortgages
Home Loans for H-1B, H-4 EAD and Other Non-Permanent Residents
Last updated October 10, 2026
Yes, ABS Home Mortgage can help non-permanent residents buy a home. That includes borrowers on H-1B, H-4 with an EAD, L-1, O-1, E-3 and other work-authorized visas, and some green card applicants. Conventional loan guidelines allow eligible non-permanent residents to qualify on the same terms as U.S. citizens, subject to underwriting.
Fannie Mae's Selling Guide (B2-2-02) states it purchases loans from lawful permanent and non-permanent residents on the same terms; the lender verifies that each borrower is legally present in the United States.
Program availability and eligibility as of October 10, 2026; subject to change and underwriting.
Homebuying in your state
Non-permanent resident mortgages in Illinois
We help eligible visa holders across Illinois, including Chicago and Naperville. We review your legal presence, work authorization, income and credit documentation before you move forward.
Explore Illinois home loansConventional financing for eligible visa holders
A green card is not required
Eligible non-permanent residents can use conventional financing, subject to legal presence, work authorization and underwriting.
H-4 EAD income may qualify
H-4 spouses with a valid EAD may use their own employment income when it meets underwriting guidelines.
We review your documentation
We look at the visa, work authorization, income and credit documents that apply to your situation.
Renewal timelines matter
Authorization close to expiration does not automatically disqualify a borrower. We review the renewal timeline during underwriting.
Who may qualify
- Visa holders with valid U.S. work authorization
- H-4 spouses with a valid EAD, who may use their own employment income
- Borrowers with a pending green card application, depending on documentation
We confirm eligibility based on your documentation and the applicable underwriting guidelines.
How income is counted
Income must be stable, documented and likely to continue. A work authorization close to its expiration date does not automatically disqualify a borrower, but we review the renewal timeline during underwriting.
Our purchase closing timeline
Our average purchase close is 21 calendar days; timelines vary by file and no timeline is guaranteed.
As of October 10, 2026; subject to change. Documentation, appraisal and underwriting can affect the timeline.
Read what happens during a purchase closingProgram at a glance
- Financing
- Conventional loans, subject to underwriting
- Eligibility
- Legal presence and valid work authorization
- Income
- Stable, documented and likely to continue
- H-4 co-borrowers
- Valid EAD and qualifying employment income
- Credit
- U.S. credit report; alternative credit may be considered
- Investment property
- Ask us about DSCR options
Documents we typically ask for
- Passport and visa
- EAD card, if applicable
- I-94 record
- Recent pay stubs, W-2s and tax returns
- Bank statements
- Credit history: a U.S. credit report; alternative credit may be considered
We review the documents that apply to your visa and employment situation. Additional documentation may be needed.
Non-permanent resident mortgage FAQs
Let's review your homebuying plans
We can walk through your visa, work authorization and income documents and explain which financing options may fit.
Toll Free: 1-866-666-2378 (866-666-BEST)
Also see: all loan products · DSCR options · request today's rate · mortgage calculators · Chicago home loans · Naperville home loans
ABS Home Mortgage, Inc. — NMLS ID: 209985. Bhupesh Saggar, Mortgage Loan Originator — NMLS ID: 221364. Equal Housing Lender.
This is not a commitment to lend. Rates, terms, and programs subject to change without notice. All loans subject to credit approval.
Related reading for visa holders
H-1B & NRI Mortgage Guide 2026
Visa-holder and non-resident borrower playbook: down payment, docs, and how to qualify with foreign income.
Read articleH-4 EAD Spouse Income for a Mortgage (2026)
How H-1B families can combine H-4 EAD spouse income for conventional mortgage qualification — and why FHA is no longer an option.
Read articleHow to Build U.S. Credit Fast as a New Arrival (So You Can Buy a Home Sooner)
How newcomers build a credit file lenders can approve, typically in 12 to 24 months.
Read article