Can I get a mortgage without a green card?

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I was a student in the United States for about two years. I married my husband in February 2008. I just received my temporary (one year) and travel papers and wait for a green card to get (not sure how much time I heard this but it may take some time …) We looking for houses and found that we really wanted, if the mortgage company said we could not get a loan until I have my green card. Is there a way around this? We are two people in the mortgage (including me and my husband). And my husband is a U.S. citizen. I also have a social security number. I did when I worked for a year in the United States in 2003.Wir really want to buy this house. If someone in a similar situation, I look forward to your response! Thank you!

6 Comments
  1. Reply
    Lily
    May 1, 2011 at 5:02 am

    Maybe it is ok.You may go to bank to ask the detail .

  2. Reply
    Iryna
    May 1, 2011 at 5:49 am

    I believe you can get it, because you already have your alien # and its non of there business if it is for a year or a month. As for a GC you will get it right after the interview.
    in NY I had my biometrics done in July and interview was in beg September
    Even though your papers for one year, your GC will be min for 2 years and even afterwords when you remove conditional residence you are still legal
    So tell them to give you mmortgageand not to worry about that
    How much money did they lend to people with fake documentation

  3. Reply
    mycatwearsahat
    May 1, 2011 at 6:07 am

    Yes, You will need an ITIN (from the IRS)
    Try http://www.bancopopular.com

  4. Reply
    Brylee
    May 1, 2011 at 7:04 am

    Mortgage loan is a term used for the loans secured by a property. Mortgage loans refer to a loan secured by residential property, often for the purpose of securing real estate. Mortgage loans are priced lower than other loan structures because the value of the property risk for the lender.

    http://www.worldbestloans.com/Mortgage%20Loan.htm

    A fixed rate mortgage loan has its own benefit. If the borrower is budget conscious, he will remain at peace because the monthly mortgage amount will not change.Fixed rate mortgage loan is a loan where the interest rate remains the same through the term of the loan. Fixed rate mortgage loans are the most traditional form of loan.

  5. Reply
    cosman2u
    May 1, 2011 at 7:17 am

    Maybe. Mortgages are issued based on the level of risk you are determined to have. The following things are considered risks that might keep a mortgage company from wanting to give you a loan:
    The amount of the loan vs. the appraised value of the property

    Your credit score
    Your monthly income
    Your previous mortgage payment history
    Any bankruptcies, judgments or delinquencies
    The total amount of your loan
    The type of property
    Whether or not you intend to live in the property or rent it out
    The location of the property

    But the biggest risk is your ability to stay in the country. Unless you have a green card the risk is considered too high.

    But there is one place you can turn to.

    These mortgages are known as ITIN mortgages. If you work in the business, you know what we’re talking about: people filing for a mortgage must have an Individual Taxpayer Identification Number, and they have to prove they can somehow pay the loan back, naturally – plus pay taxes even though they don’t have a U.S. address (well, until they get the house – but even then, not a legal address, no?)

    Basically the illegal gets a fake or false social security number.

    I would advise against you getting one of these because it could mean you being deported. My advise would be to get your green card first and then buy your dream house. Doing things the right way will allow you to have less stress. It is never any fun to sit and worry about getting caught. The fact that you asked the question tells me that you have a conscience that works. Good for you.

  6. Reply
    Alwaysright
    May 1, 2011 at 8:02 am

    By using an ITIN or individual taxpayer id number and a passport or id.my illegal brother-in-law has a house using that.

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