Home Loans For Asylees
If you were granted asylum or admitted as a refugee, at least one of our programs lists you as eligible. You can buy, refinance, or take cash out with proof such as an I-94 or a work permit.
Documents that can prove your status
Programs differ on paperwork, so we match your documents to a program that accepts them.
- At least one program accepts an I-94 with a stamp or notation such as “asylum granted indefinitely.”
- An electronic I-94 with an admission class of “AY” is also accepted.
- With that I-94, you do not need to present a foreign passport.
- At least one program accepts a work permit (EAD) showing category A05.
- At least one program also accepts an I-589, I-730, or I-797 Notice of Action, or court documents showing asylum was granted.
- Refugees can use an I-94, an I-590, I-730, or I-797 Notice of Action, court documents, or a work permit showing A03 or A04.
Asylee loans between $125,000 and $3.5M*
USDA loans for rural homes
Loan amounts up to $3.5 million
First-lien HELOC up to $3 million
Thin credit can still work
Bank statements can verify income
How Asylee Home Loans Work
You apply like any other borrower, with a few extra residency documents.
At least one program states that individuals granted asylum are eligible. At least one other program permits both asylees and refugees by name. You will need a valid Social Security number.
Your immigration paperwork proves your status. An I-94 marked to show asylum was granted works for at least one program, and you do not need a foreign passport with it. If you use a work permit that expires within six months of your application, at least one program asks for renewal documentation.
Some rules come from the program, not your status. At least one program asks for two years of employment in the same line of work and two years of residency, in the U.S. or abroad. FHA does not allow non-permanent resident borrowers for case assignments on or after May 25, 2025, but a borrower with lawful permanent resident status may be eligible.
Why choose Saxton for an asylee home loan
This page is for borrowers who have been granted asylum in the U.S., or admitted as refugees, and want to buy or refinance a home.
We Read Your Documents
Lenders do not all accept the same immigration paperwork. We check your I-94, work permit, or Notice of Action against each program’s list before you apply.
Asylees Are Named Eligible
At least one program states that individuals granted asylum are eligible. We start with programs that name your status.
Refugees Have Options Too
At least one program permits refugees with an I-94 or a work permit showing A03 or A04. At least one USDA program accepts A03, A04, and A05 work permits.
Rural Homes Through USDA
At least one USDA program covers purchases and rate and term refinances. Nontraditional credit is permitted, and income eligibility counts all adult household members.
Asylees Can Use Bank Statements
One asylee-eligible program lets self-employed borrowers qualify on bank statements covering either 12 or 24 months, from personal or business accounts, or on 1099 income. It lends on primary, second and investment homes.
Honest About Limits
Several programs we offer list asylum applicants as ineligible. We tell you early which programs fit a granted status.
Hear From Homeowners Like You
Frequently Asked Questions
Direct answers to the questions asylees and refugees ask most about buying a home.
Yes, a grant of asylum is accepted at one program, documented by an I-94, an I-589, I-730 or I-797 notice, court documents, or an EAD reflecting A05. Each non-permanent resident applicant must also hold a valid SSN. People still waiting on an asylum decision are not eligible at another program.
No. At least one program accepts asylees as non-permanent residents. An I-94 with a notation such as “asylum granted indefinitely” is one accepted proof, and you do not need a foreign passport with it.
It can. Fannie Mae buys loans made to lawful non-permanent residents under the same terms available to U.S. citizens. Fannie Mae leaves the exact proof of legal presence to the lender, so we confirm your documents first.
Yes. At least one program permits refugees with an I-94, an I-590, I-730, or I-797 Notice of Action, court documents showing admission class “RE”, or a work permit showing A03 or A04.
Not as a non-permanent resident right now. FHA does not allow non-permanent resident borrowers for case assignments on or after May 25, 2025. A borrower with lawful permanent resident status may be eligible on the same terms as U.S. citizens.
It can work. At least one USDA program accepts non-permanent residents with a work permit showing A05 Asylee, A03 Refugee, or A04 Paroled Refugee. Nontraditional credit is permitted, and a non-occupant co-borrower is not.
Your options are limited. Several programs we offer list asylum applicants as ineligible. The programs on this page are for borrowers who have been granted asylum or admitted as refugees.
Saxton Mortgage does. At least one program we offer states that individuals granted asylum are eligible, and at least one other permits asylees and refugees by name. You will need a valid Social Security number.
Find out what you qualify for
Tell us about your asylum or refugee documents and the home you want, and we will check how it fits our programs.
Get Pre-QualifiedLoan amounts, rates, terms, and eligibility are subject to credit approval, asset and income verification, appraisal, and program guidelines. Program availability varies by state. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.