A Green Card Or A Visa Is Not A Dead End.
Financing for permanent residents and visa holders who live and work in the United States.
Lawful residents can buy here
Both permanent and non-permanent residents are eligible borrowers.
- Permanent residents holding a Permanent Resident card are eligible borrowers.
- Non-permanent residents lawfully in the United States under the terms of a visa are also eligible.
- Legal residency is documented as part of the file.
- A documented employment and income history is required, which can include two years of United States tax returns.
- Some programs ask a non-permanent resident for a two-year United States employment history.
- This is different from foreign national lending, which is for buyers living outside the United States.
Permanent resident card holders
Visa holders lawfully in the US
Legal residency documented
Employment and income history required
Often two years of US tax returns
Not the same as foreign national
What is the Saxton Visa Holder and Permanent Resident Home Loan?
Ordinary home financing for people who live here lawfully without US citizenship.
There is a persistent belief that you need to be a United States citizen to get a mortgage here. You do not. Lawful permanent residents and, on many programs, non-permanent residents living here under the terms of a visa are eligible borrowers.
The two categories are treated slightly differently. A permanent resident is a non-citizen legally eligible to maintain permanent residency who holds a Permanent Resident card, and legal residency is documented as part of the file. A non-permanent resident is a non-citizen who lawfully enters the United States for a specific period under the terms of a visa. That status may or may not permit employment, which is why documentation matters more in this category.
For non-permanent residents, programs generally want a documented employment and income history, which commonly includes two years of United States tax returns, and no reason to believe the employment will not continue. Some programs specifically ask for a two-year United States employment history. This is a different thing from foreign national lending, which is designed for buyers who live outside the United States entirely.
Why choose Saxton if you are here on a visa or a green card?
For people who live and work here lawfully and keep being treated as an edge case.
You Are An Eligible Borrower
Permanent and non-permanent residents are named as eligible borrowers across the programs we work with. This is not an exception being made for you.
The Right Product For Your Status
Whether you are a permanent resident, a visa holder, or genuinely a foreign national living abroad changes which program fits. Getting that right at the start saves a lot of time.
Documentation, Not Guesswork
What is required is a documented employment and income history. We will tell you exactly which documents apply to your status.
Not The Same As Foreign National
Foreign national lending is for buyers living outside the country and is priced accordingly. If you live and work here, you should not be pushed into that product by default.
We Will Read Your Visa Category
Visa types differ in what they permit. We would rather look at yours specifically than give you a general answer.
Your Status Sets The File
What is required depends on whether you hold a permanent resident card or are here under the terms of a visa, and we will tell you which applies.
Hear From Homeowners Like You
Frequently Asked Questions
Straight answers about buying a home without US citizenship.
No. Lawful permanent residents are eligible borrowers, and on many programs so are non-permanent residents living here under the terms of a visa.
A permanent resident is legally eligible to maintain permanent residency and holds a Permanent Resident card. A non-permanent resident enters lawfully for a specific period under the terms of a visa.
Evidence of legal residency, plus a documented employment and income history. That commonly includes two years of United States tax returns, and some programs ask for a two-year United States employment history.
It can. Non-permanent resident status may or may not permit employment, which affects how income is documented. Tell us your visa category and we will give you a specific answer.
No, and the distinction matters. Foreign national lending is for buyers who live outside the United States. If you live and work here, this is the more appropriate route.
It depends on the program and on your documentation. Some ask for a two-year history, others weigh things differently. It is worth a direct conversation rather than assuming you are out.
Lawful residents are generally buying a home to live in, and that is well supported. We can also talk about second homes or investment property if that is your situation.
Find out what you qualify for
If you hold a green card or live here on a visa, you are an eligible borrower. Tell us your status and we will point you at the right program.
Get Pre-Qualified*Loan amounts, rates, terms, and eligibility are subject to credit approval, income and asset verification, documentation of lawful residency, and program guidelines. Requirements for permanent and non-permanent resident borrowers vary by program, including employment and income history requirements. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.