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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+)
I can't thank enough clear lending for the amazing service I received since I applied online. I really felt everyone involved in the process had plenty of experience plus loved the fact not only have helped me with the loan approval but also the home search. This has been my third home purchase and working with someone who not only gets you approved but also can help on the home search has been priceless. One stop shop with plenty of excperience. Thanks to all for such a smooth process.
Joan Gallardo and his team have been great help in the home buying process. They go above and beyond to ensure all questions are answered and all due dates are met. I would highly recommend clear lending to any future home buyer.
I am so so excited, I have closed on my home and it was all made possible with the help of Joan and his team (Patricia and Elena) at Clear Lending Home Mortgage. When I first started the process of getting approval for my home, I was nervous and scared of the unknown of being a first time homebuyer and with the Interest Rates steadily increasing would I be able to get a good rate. Well after speaking to Joan for the first time via phone he assured me he would do his best to make it happen and he quickly put my mind at ease. Not only did I close in a little over 30 days, he also managed to get me an Interest Rate of 3.671% . From beginning to the end of the process, the staff at Clear Lending was professional, quick and took great care of making sure that I was informed every step of they way. A special "Thank You" to Joan.. for your hard work, honesty, and dedication in being a dream maker and making my dream of becoming a homeowner true!! I would gladly recommend Clear Lending to anyone looking to purchase a home.
