Permanent and Non-Permanent Resident Alien:Program

I have Lenders that will purchase or securitize mortgages made to aliens who are lawful permanent or nonpermanent

residents of the United States. We do not specify the precise documentation that a lender must obtain to verify

that a permanent or nonpermanent resident alien borrower is a legal resident of the United States, rather, a lender

should make a determination of the alien's residency status based on the circumstances of the individual case,

using whatever documentation it deems appropriate. Some products may limit LTV and occupancy based on

residency.

Permanent and Non-Permanent Resident Alien:

Alien cards are not required providing the following are met:

• Two year verified work history in the United States, including a 2 year history of receipt of social security card

regardless of documentation type

• Employment must have a likelihood of continuance

• Two year residency in the United States

• Two year credit history in the United States

• Credit score requirements must be met