Borrower Eligibility

• Standard guidelines

• Borrower must have a social security number.

• Borrower must demonstrate 2 years of employment

Permanent Resident Aliens Acceptable:

• FHA will insure mortgages made to lawful permanent resident aliens under the same terms and conditions as U.S. Citizens.

• Borrower must have a social security number.

• The lender must document the mortgage file with evidence of Permanent Residence and indicate on the application that the borrower is a lawful Permanent Resident Alien.

Non-Permanent Resident Aliens Acceptable:

• FHA will insure mortgages made to non-permanent resident aliens under the same terms and conditions as U.S. Citizens.

• Borrower must have a social security number and be eligible to work in the U.S.

• The loan file must contain an Employment Authorization Document (EAD) issued by Bureau of Citizenship and Immigration Services (BCIS). Follow FHA guidelines if the residency status expires within one year.