If you’re a permanent resident alien, you’ll need your green card and your social security number. Your mortgage application process will be very similar to that of US citizens.
If you’re a non-permanent resident alien, you don’t have a green card, but you have a social security number. You can finance a home if you produce a work permit (Employment Authorization Document) or special employer-sponsored visa. Lenders must verify that you’ll be able to live and work in the country for at least three years.
Immigrants who are not citizens or residents, but who are refugees or were granted asylum can automatically work here and can obtain financing like a lawful resident alien. They must prove that they are refugees or asylees to be eligible for financing. Non U.S. citizens without lawful residency in the U.S. are not eligible for Fannie Mae, Freddie Mac or FHA home loans.
There are two sorts of non-citizen homebuyer in the United States the resident who wants a primary residence, and the non-resident who wants a vacation property here. Each buyer may finance property with a foreign national mortgage, but the loans are not alike.