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Citizenship Qualifications

Do You Have To Be A  US citizens to qualify for FHA mortgage?

US citizenship is not required to qualify for an FHA Mortgage. The FHA mortgage lender must determine the residency status of the FHA mortgage applicant based on information provided on the application and other applicable documentation. In no case is a Social Security card sufficient to prove immigration or work status.

The FHA mortgage applicant with lawful permanent resident alien status may be eligible provided the US citizen satisfies the same requirements, terms and conditions as those for U.S. citizens. The file must include evidence of the permanent residency and indicate that the US citizenship is a lawful permanent resident alien on the Uniform Residential Loan Application (URLA).  The U.S. Citizenship and Immigration Services within the Department of Homeland Security provides evidence of lawful, permanent US citizenship residency status.

A US citizen who is a NON-PERMANENT resident alien may be eligible provided:

  1. The property will be the FHA Mortgage Applicant’s principal primary home.
  2. The FHA Mortgage Applicant has a valid Social Security Number (SSN), except for those employed by the World Bank, a foreign embassy, or equivalent employer identified by HUD;
  3.  The FHA Mortgage Applicant is eligible to work in the U.S., as evidenced by the Employment Authorization Document issued by the USCIS; and
  4.  The FHA Mortgage Applicant satisfies the same requirements, terms and conditions as those for U.S. citizens.

The Employment Authorization Document is required to substantiate work status. If the Employment Authorization Document will expire within one year and a prior history of residency status renewals exists, the FHA mortgage lender may assume that continuation will be granted. If there are no prior renewals, the FHA mortgage lender must determine the likelihood of renewal based on information from the USCIS.

A FHA Mortgage Applicant residing in the U.S. by refugee or asylee status granted by the USCIS is automatically eligible to work in this country. The Employment Authorization Document is not required, but documentation substantiating the refugee or asylee status must be obtained.  Non-U.S. citizens without lawful residency in the U.S. are not eligible.

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