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Non-Permanent Resident Program:

Access to housing with qualifying work VISA

Conventional

Just because you’re not a U.S. citizen doesn’t mean home ownership is out of reach. Lawful permanent or non-permanent residents can apply for loans just the same as citizens

 

Clear Lending offers mortgage programs for non-permanent residents that might be right for you.

With the Non-Permanent Resident Program we can help those professionals working in the US with a valid social security number and evidence of an acceptable visa. Acceptable Visa includes E Series (E-1, E-2, E-3), H Series (H1-B, H1-C, H-2, H-3, H-4), L Series (L-1A, L-1B, L-2), O Series (O-1) and NATO (TN-1 and TN-2). 

If a borrower(s) visa will expire within six months of the loan application and the borrower has not changed employers, a copy of the employer’s letter of sponsorship for visa renewal must be provided.

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Non-Permanent Resident program borrowers are still subject to Fannie Mae or Freddie Mac’s automated underwriting systems with at least one valid credit score to be eligible. 

For FHA mortgage loans borrowers without credit may qualify with a 12 month rental history and two other pieces of non-traditional credit with 12 month histories.

If you want to purchase your dream house and have any of the permits mentioned above, clearlending can help you. Simply apply online and we will contact you right away to review best options for you.

 

Don't wait any longer and find out how much you can get Pre-Approved for.

Whether you are considering purchasing or refinancing an existing mortgage loan, Clear Lending can help you. Simply complete our secure and encrypted Pre-Approval Form online and we will contact you right away to review best options for you.

Not all applicants will qualify. This advertisement is not an offer for an extension of credit. Please meet with a licensed loan originator for more information as programs are available only to qualified borrowers. Programs rates, fees, terms, and programs are subject to change without notice. Not all loans, loan sizes, or products may apply. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet loan-to-value requirements, and final credit approval. Approvals are subject to underwriting guidelines and program guidelines and are subject to change without notice. Some restrictions may apply.

Customers Reviews:

  • Adrian Olivares • November 02, 2015

    Excellent Loan Officer!!! Joan Gallardo works fast and gives his best effort to his clients. A very polite man that always answers your questions. I Really Recommend him to anyone. God Bless You.

  • Felix Prat • February 15, 2019

    FROM GOOGLE: This is our second time purchasing a house with Clear lending. As usual Joan G, Patricia A, and the rest of his team have excedeed expectations. Not only selling our house with Joan was easy and quick but also buying our second house this time. Joan is available whenever needed. Always answering cell phone calls and looking out for his clients. We have recomended his services to all our family and close friends. Very professional, dedicated and amazing team. Whether you are looking to sell, buy or anything else in the real estate business, Clear lending is the prefect place and team to go with. Always recommend 100%! Thank you for everything!!!

  • Corey Ballet • February 25, 2019

    FROM GOOGLE: Due to a few discrepancies on my credit report. Joan agree to pull me into his office and explain to me a couple of things that I need to to approve my chances of becoming a homeowner I appreciate him for that cuz he don't have that to do that.the guys at clearlending is amazing I appreciate you all.

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