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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). 

Provide a copy of the employer's letter of sponsorship for visa renewal if a borrower(s) visa will expire within six months of the loan application, and the borrower has not changed employers.

Get today's lowest mortgages rates.

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, Clear Lending can help you. Simply apply online, and we will contact you right away to review the best options for you.

 

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

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 the 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:

  • Carolyn De Leon • December 22, 2016

    Good afternoon Joan, thank you so much for all your hard work and patience during this journey. I know it was not easy but we made it. I hope God continues to use you to help make other people's dreams come true. You and your team have been a blessing to my family. Have a Merry Christmas and a most wonderful and prosperous New Year!!!!! Once again, Thank you and Best Regards Carolyn De Leon

  • Marianne Balton • August 20, 2018

    Joan Gallardo and his team are an exceptional group who are devoted to helping others realize their goal of home ownership. Compassionate and conscientious business people are a rare find. As first time home buyer and new to Texas I had no map of the territory. Joan was a reassuring presence through the entire experience and I will always remember and endorse his company for excellence.

  • Armeris Tamayo • December 20, 2019

    Hello to all those people who follow closely Clear lending Houston tx. First, tell them not to be afraid to make a decision and approach to seeking information. I know that for many they think that buying a house is a big problem or a tedious process, I also thought the same thing but I can not tell you that since I arrived at the clear lending office where I was well received, I already knew that I was part of the big family that is clear lending for good attention the positive environment and where you breathe airs of achievement. I can also tell you that the professionalism and knowledge of these people make this long process less heavy and more enjoyable. When there are people who know what they are doing, they make the processes easier, I say so because not only is it I want such a house or another. I tell them that no, throughout this process it is where you start to find what you want, you learn from several tips that are provided by a great agent that is Joan thanks to his knowledge and his advice I managed to get the house that I did not think to have. Regardless of thinking about my budget and my possibilities, your help was very important for my final decision, achieving this great dream.

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