Generally, to be eligible for an FHA loan, you must have a valid Social Security Number (or TIN) and have lawful residency in the United States and be of a legal age to sign on a mortgage in your state.

Borrower must be able to document a satisfactory 2 (two) year history of credit, income and assets. FHA requires a minimum 3.5% down payment.

Permanent resident aliens are eligible under the same terms as United States Citizens. The borrower must show evidence of Green Card information.

Non-permanent resident aliens may be eligible if satisfactory evidence of legal residency and ability to work in the United States is documented.

Search for a FHA Lender: http://www.hud.gov/ll/code/llslcrit.cfm

Or, you can contact Sergio at Axis Capital Group (he is a certified FHA lender): cell 310.877.5045 | Sergio@Axiscapitalgroupinc.com

I hope the information helps.

Hi Josh,
I am presently working with a student at Calpoly. He is not a U.S. citizen and was thinking about getting a mortgage. They asked for 50% down and decided to pay all cash. You can get a better idea if you talk to a direct lender like BofA, Wells Fargo and Chase. And, see what options they have.
Also talk to a tax consultant on tax ramifications if you want to sell in the future.

Jes Sierra, B.Sc.
Realtor®

I have a friend in this situation also. I would love to know the answer.