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Purchases of up to $830,000.
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Are you a dreamer with dreams of having a house of your own in the US? But there might be big obstacles that can come in your way because of being a "dreamer", that is, the ones who came to the USA as a minor without any official authorization. So, the question is can a dreamer ever be a homeowner? Everybody has the right to a place of shelter; a house that will be straight out of their actual dreams. And the one thing that often makes it difficult for you to find a house is the lack of certain immigration documents. However, things can change if you have something called DACA. All you need to do is have some documents at the time of closing the loan you are applying for to finance your home.
DACA recipients can own a house if they want to. The Deferred Action for Childhood Arrivals or DACA is an immigration policy which allows the people who were brought into the USA as children to enjoy a deferred action with respect to deportation and even get a work permit for a period of two years. The DACA mortgage comes from the Dream Act. So, what is the Dream Act? The Dream Act is basically a legislative proposal which will be able to assist these temporary residents in the USA to get a citizenship. If you are a DACA recipient and are looking to purchase a house, you should look for ways to buy the home for your dreams.
How to buy the home loans for dreamers?
While it is quite a relief for the aspiring homeowners to know that they will be able to afford a house in their name, the greater question that you should be asking is how to buy the house? Finding the right home mortgage to finance your dream home can be frustrating. You have to consider both the risks and the benefits of several lenders to come to a conclusion. We, at Clear Lending, can help you with the home loans for dreamers. With our experienced and qualified home loan specialists, we can help you select a wide range of home loans especially made for the DACA recipients. We have professionals who are knowledgeable in this aspect and can guide you through the process and all the legal requirements you need to fulfill. We can help you prepare the documents and decide on the right loan programs which will benefit your dream home.
How to become eligible for DACA home loans?
The DACA home loans for dreamer programs are just what the DACA recipients need. There are certain conditions that you have to fulfill when you are applying for a home loan as a DACA recipient.
1. You must live and works most of the time in the USA.
2. Must have work permit category C-33 current
3. Must have good credit (640+)
Por medio de este presente quiero dar a conocer de parte de la Familia Rose, mi más sincero agradecimiento por haber brindado todo Su apoyo, Su esfuerzo, y dedicación de Cada uno de ustedes para que se hiciera realidad el sueño de tener una Casa propia. Estoy muy agradecido de todo corazón y a la misma vez yo Los exhorto para que sigan Contribuyendo a hacer más familias felices.
Joan Gallardo, Elena, and the rest of the team at Clear Lending really impressed me from the beginning! They are the most honest, ethical, humble, and hardworking team I have ever come across. They are the true experts in the home mortgage/ lending industry. I met Joan after being jerked around by Quicken Loans for 2 months. Quicken tried to screw me over so bad with fees thinking I was not going to read any documents. They are pure scum! I was days away from closing when Quicken told me "Not everyone can afford a home". Then I called and spoke with Joan and within an hour, he told me that a home purchase was definitely doable. Being a first time home buyer, I was very nervous about the whole process, and more so having to go through it a second time. However, Joan worked tirelessly, like I've never seen before. He explained everything to me in detail and always answered when I called; something that is very important in my eyes. There was never any gimmicks, just truth. He was always optimistic even when I was down and feeling hopeless. The exceptional service that Joan and Clear Lending provided me was just beyond what words can explain. They definitely think of every single option before giving any glimpse of negativity. Clear Lending was able to get my debt to income approved and the bank to approve my loan; All in 1 month! One major hurdle that Joan assisted me with was with my employment. The day of my closing, I got word that I was laid off. I thought the deal was dead and I was going to lose all the money I had already put down. It was one of the worst possible things that could happen. I had given up! I had no hope! I could not close on that day, but Joan went as far as speaking with the bank, and seller's realtor to extend the contract. Once extended, I was blessed enough to find another job (same industry) the very next week and with a strong Verification of Employment, I was able to close on my home AND with a low interest rate that no one else can beat! I truly feel blessed to have worked with Joan and Clear Lending. Joan and the rest of the staff wholeheartedly care about their clients. I would not think twice about referring Joan and Clear Lending to anyone. I will forever remember the hard work and dedication Joan provided to me. With gratitude and so much appreciation, I want to thank everyone at Clear Lending. I am officially a home owner! And it's all because of your outstanding work ethic.
If you want a hard working loan officer Joan Gallardo is the one. Joan worked on our loan day and night plus he was always available whenever we had questions. I learned a lot from him about residential loans in the process. Thanks Joan!