I am married to an American citizen and am waiting for my immigration status. Can I have a co-applicant for a loan?

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I am married to a citizen of the United States and am waiting for my change of status form from the USCIS. Can I be included on the application for a mortgage?

5 Comments
  1. Reply
    Rico
    May 4, 2011 at 12:07 am

    You don’t need to be a citizen to get a loan, you need to qualify. And to qualify you need to have a good credit score and steady income of which you have a history of paying US taxes.

  2. Reply
    Razor Jim
    May 4, 2011 at 12:57 am

    Depends on bank policy, but they require SSN and ID

  3. Reply
    Melanie
    May 4, 2011 at 1:05 am

    Hell baby….don’t be a “co-applicant” go for it alone…you will get a better rate since you aren’t even a citizen of this country….

  4. Reply
    Wendy H
    May 4, 2011 at 1:32 am

    YES, by the way a loan is not the same as a mortgage.

    You will have to have proof that you can repay the mortgage, maybe your partner can provide this on his own earnings and your financial situation would only be a consideration if you do not reach the required income requirements.

    Lots of mortgagees own property without actually living in the country.

  5. Reply
    Breeze
    May 4, 2011 at 1:49 am

    Yes.. even if you don’t have a US SSN. If you’re Canadian you can use your passport or drivers license, you might even be able to use your SIN. I’m Canadian, while I applied for Status in the US I applied for a number of things. I have bills in my name using my Canadian ID such as phone/internet bills, I was a co-applicant on my apartment lease and I’ve applied for numerous things in the bank. You should be fine.. but call someone to make sure.

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