Non-Permanent Resident Alien Mortgages

Mortgage and Lending with Guaranteed Rate, Marin County, CA NMLS: 22343
RPM Mortgage in California
Non-Permanent Resident Alien Mortgages

RPM can make mortgages to non-permanent resident aliens in the US, but it's important to know a few things about these scenarios. Non-permanent resident aliens are those who are not U.S. citizens and do not have permanent resident alien status (green card).  Here are the bullet points:

Non-Permanent Resident Alien Mortgage Requirements:

  • The borrower must currently live and work in the US.
  • Borrower must have a valid Social Security number and work visa (types below).
  • Borrower must have a credit history. We'll either pull a US credit report or an international credit report, as needed.
  • Applicant must be employed in the US, income will be verified and must be expected to continue for at least three years.
  • Borrower must have a two-year work history, which can include employment in a foreign country. All appropriate verifications would apply.
  • One of the following valid visas is required; H-1A, H-1B, L-1, E-1, E-2, E-3, G series, TN or TC NAFTA visa, P-1 and R-1.

If you have or are a non-permanent resident alien buyer and need to know the maximum loan amounts or loan-to-values, get in touch at the contacts below. Remember too, non-permanent resident aliens vary from foreign nationals.  RPM can provide home loans for the latter as well, though the requirements are somewhat different --- again, just call or e-mail if I can help.


FREE Homebuyer Webinar

Have clients who are looking to buy a home in 2013 but could benefit from a discussion on the basics of home financing? Join us for a FREE homebuyer webinar on Tuesday, February 5th between 5:30pm and 6:15pm (PST). Topics we will cover:

  • Can I really afford to buy a home?
  • The pre-approval process.
  • Loan programs available to the buyer (first-time and otherwise).
  • Working with your real estate agent.
  • Question & Answer (or e-mail questions in advance to

Reserve a spot now at:




Robert J. Spinosa

Home Loan Professional
DRE: 01297944 NMLS: 22343

1058 Redwood Highway

Mill Valley, CA 94941

877.270.5959 Toll Free
415.367.5959 Cellular
415.366.1590 eFax



Re-Blogged 1 time:

Re-Blogged By Re-Blogged At
  1. Bob Baesmann 02/09/2013 11:40 PM
Lending / Financial
California Santa Clara County
San Francisco Real Estate
San Jose Real Estate
Local Expert
South Bay Realtors
home loan
foreign national
nonpermanent resident alien
foreign buyer
green card

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Fred Griffin, on leave of absence from ActiveRain
Fred Griffin Real Estate - Tallahassee, FL
Licensed Florida Real Estate Broker

Fascinating, Rob!  This is great information.

  I came across this on your Google+ Page and "shared it".  I also posted it to Twitter, Facebook, and LinkedIn. 

  BTW, I sent you a LinkedIn connection invite.  Thanks!


Feb 09, 2013 11:28 PM #1
Debbie Reynolds
Platinum Properties - Clarksville, TN
Your Dedicated Clarksville TN Real Estate Agent
Again Rob, I learned something I didn't know. I had no idea these people were treated any different.
Feb 10, 2013 01:07 AM #2
George Souto
George Souto NMLS #65149 FHA, CHFA, VA Mortgages - Middletown, CT
Your Connecticut Mortgage Expert

Rob it is the "applicant must be employed in the US, income will be verified and must be expected to continue for at least three years." That I usually find the hardest for non-permanent resident aliens to meet.

Feb 10, 2013 08:21 AM #3
Charles Stallions Property Manager
Charles Stallions Real Estate Services - Pace, FL
Pensacola, Pace & Gulf Breeze Property Management

THis is what is wrong with the country if we didn't loan them money the illegals would go home. We are such hypocrites, we complain about the crime, the illegals, section 8 housing, habitat for the poor but as long as we are making a buck we turn the other way.

Feb 11, 2013 12:25 PM #4
Teral McDowell
Referral Patners LLC - Murphy, TX

I have not encountered a client with a need for a mortgage of this nature; interesting and glad that you shared, Rob.

Feb 13, 2013 12:41 PM #5
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Rob Spinosa

Vice President of Mortgage Lending, Marin County
Can I Get a Jumbo Loan with 10% Down?
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