Mortgages are not just limited to American citizens and the question arises whether a non-U.S. citizen can qualify for a mortgage. The answer is yes, if the applicant fulfills all the eligibility requirements and meets the minimum credit score.

If you are a non-U.S. citizen, you will have to apply for a mortgage. The first step towards getting a mortgage is to obtain your social security number and other required information. Your Social Security Number will help you to identify your record of past payments and ensure that you make on time. You must also submit proof of your income. This can include your W-two, tax return, or pay stubs. Your credit history is another factor that must be checked by lenders. Some lenders may request that you provide a letter from your employer stating that you are employed. If your employer does not provide this information, your loan application may be denied.The applicant needs to fill out a basic application form with all the relevant information such as name, address, contact details, employment details, income, and other financial information.

The applicant should also provide evidence of his citizenship. You need to show that you have lived in the U.S. for at least six months in the past. You also need to provide a copy of your green card and passport.

After filling the application form, you need to provide the documents mentioned below:

• Proof of Income – The applicant needs to provide proof of income either in the form of a pay stub or a W-2 form.
• Proof of Assets – The applicant needs to provide proof of assets such as the house, car, stocks, and any other properties.
• Proof of Credit – The applicant needs to provide a proof of his credit history as it shows how well he has managed his finances.
• Proof of Mortgage History – You need to provide proof of your previous mortgage history if you have one.
• Proof of Identity – You need to provide your valid photo ID such as your driver’s license, passport, or voter’s ID.
• Proof of Citizenship – The applicant needs to provide the proof of citizenship along with the Green Card and Passport.

Once the applicant has provided all the required documents, the mortgage lender will conduct a credit check. It will take a few days to complete the entire process.

Once the applicant is approved, he will be given the approval letter and the terms and conditions of the loan. The applicant can then go ahead and get the loan processed.

Conclusion:

I hope that the above-mentioned information was sufficient for you to understand whether a non-U.S. citizen can get a mortgage.