From EAD Card to House Keys, We Make It Happen!
Millions of EAD cardholders live, work, and pay taxes in the U.S. So why should owning a home here be out of reach? The truth is, it is not. Over 1.5 million Employment Authorization Documents are issued every year in the United States, and many of those holders are ready to buy a home just like you. We work with non-permanent residents every day. We help non-permanent residents get approved and close with confidence. Our teams know what you need, what lenders want, and how to get you to the closing table. So, let us help you take that next step with confidence and fulfill the American dream!
Get Pre-Approved
EAD Home Loan Checklist
Most lenders want to see the same core documents and want to avoid wasting time. Here is what you should gather before starting your application:
Valid EAD Card: Your EAD must be current and unexpired. If it expires within 12 months of closing, you may need to show proof of renewal.- Valid Social Security Number (SSN): An SSN is required for most conventional and government-backed loans.
- Valid Visa or Immigration Documents: Your visa must be current. You may also need Form I-94 and Form I-797, depending on your status.
- Down Payment Funds: Plan for 10% to 30% down for conventional loans.
- No Diplomatic Immunity: All borrowers must meet standard U.S. lending requirements.
Loan Eligibility by Immigration Status
For DACA Recipients
You may be eligible for Conventional (Fannie Mae) and VA loans with a valid SSN and a C33 EAD. Freddie Mac is not currently an option for DACA borrowers.
For Asylees and Refugees
You may qualify by exception. Moreover, you will need a valid Form I-94 and a current EAD with an A05 or A03 category code.
For ITIN Holders
You are not eligible for standard loan types. However, non-QM loan programs may be a fit for you.
Loud and Proud! The Ratings Speak, Success Follows!
4.6
Dream Home family’s trust shines on Google My Business!
92%
Proven Success! Dream Home Owners Recommend Us!
14 Days!
Loans Approved in min 2 Weeks! Swift, Smooth, Secure!
Lender’s Checklist for EAD Home Loan
Lenders want to feel confident that you can manage long-term payments. Before they say yes, here is what they look at closely:
Credit Score
Most lenders want a FICO score of 660 or higher.
Debt-to-Income Ratio (DTI)
Your DTI should stay below 43% in most cases.
Two-Year U.S. Work History
Lenders want to see steady income from U.S.-based employment for at least two years.
EAD Validity
Lenders prefer your EAD to have at least one year of remaining validity. A history of renewals also helps.
Visa Expiry
If your visa or EAD expires within 3 months of closing, you must show a pending renewal with USCIS.
Loan Type Eligibility
Not all loan types are open to non-permanent residents. FHA is available with a valid EAD. VA is available for DACA recipients. USDA accepts only specific EAD codes.
We Help Non-Permanent Residents Buy Homes
Your EAD card is not a barrier. It is your starting point. Our team knows non-permanent resident loans inside and out. We are ready to match you with the right loan for your situation.
Here is what you get when you work with us:
- Multiple Loan Options: We offer FHA, VA, Conventional, and Non-QM loans to fit many immigration and financial situations.
- Low Down Payment Options: Qualify with as little as 3.5% down on eligible loans.
- High DTI Approvals: We approve up to 57% DTI for FHA and 49.9% for Conventional loans.
- Fast Pre-Qualification: Start your process quickly without long wait times.
- Free Consultations: Talk to our team at no cost before you commit to anything.
- 14-Day Approval: We work fast. You can get approved in as little as two weeks.
- Personal, People-First Service: As a Division of Brazos National Bank, we treat you as a person, not a number.
Our Blog
$150K DHM Member Cap & How We Fast-Track Your Application
Key Takeaways: $150K DHM Member Cap: Dream Home Mortgage's $150K member cap means limited funds available on a first-come, first-served...
VA Loan Inspection Requirements | Fannie Mae DU Update 2025
Key Takeaways: Fannie Mae’s DU Update Removes Minimum Credit Requirements Starting November 16, 2025, Fannie Mae removed the 620 minimum...
Best Mortgage Rates in Texas | Programs & Tips
Key Points: Texas Mortgage Rates Hold Steady at 6.90% With rates stabilizing and home prices averaging $331,000, now is a...
What Our Clients Say
Huge shoutout to the team at Dream Home Mortgage. Mr Hussein and his team are an absolute pleasure to work with. He and his staff are very kind, transparent, diligent and thorough with explaining reviewing all available loan options and...
Dream Home Mortgage went above and beyond to help us build and close our new home. Their team guided us through securing the best interest rate, maintaining the proper debt-to-income ratio, and provided non-stop communication among different parties. This comprehensive...
We had an exceptional experience working with Hussain and the entire team of Dream Home Mortgage. From start to finish they were incredibly supportive, responsive and approachable. No matter how many questions we had or how many times we asked...
I had a fantastic experience with the Dream Home mortgage services provided. The process was seamless from start to finish, and everything was clearly explained at each step. The team and specifically Mr. Hussein Panjwani was always available to answer...
Highly recommend working with DHM! They were easy to work with, readily available and addressed all of our concerns. They provided a calming experience and helped us with every step. Our home buying experience was less stressful only because of...
I has a wonderful experience buying a house with Dream Home Mortgage! Being a first time home buyer, they gave me great advice & helped me step by step throughout the entire process. I highly recommend this team to anyone...
Had an amazing experience working with Hussein and his team to purchase a home! Extremely professional and super quick to respond to make sure all the documents needed are ready to go. Hussein’s knowledge and eagerness to work to make...
“Hussein Panjwani and his team was the best thing that happened to us! Being Self-employed, they gave us the best options and we owe our dream home to them! Kudos to the most trustworthy mortgage advisor!”
“A big shout out to the Best Mortgage Advisor we came across! From pre-qualifying to stepping in our new house, they were there for everything! Our dream home wouldn’t have been possible without them!”
“Couldn’t be more grateful for the Best Mortgage Broker! They got us the best interest rates for our Credit score and we never thought our dream will come true with such ease!”
“As First Time Home Buyers, Dream Home Mortgage was a blessing for us! We had the best experience! Our mortgage consultant was extremely supportive and guided us all the way to make our dream come true!”
Frequently Asked Questions
Yes, but lenders will require proof of a pending renewal with USCIS. A history of prior renewals strengthens your case significantly.
Not always. Lenders look at income stability and field consistency. Switching jobs in the same field may still meet the two-year requirement.
Some Non-QM loan programs accept foreign income and assets. Standard FHA and Conventional loans typically require verified U.S.-based income only.
USDA only accepts EAD codes A1, A3, A5, A10, and C11. All other EAD category codes are ineligible for USDA loan programs.
Yes, but only by exception. You need a valid Form I-94, proof of your status, and a current EAD with an A05 or A03 code.
