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  #1 (permalink)  
Old 11-03-2009, 01:35 PM
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Default Getting a mortgage while on EAD
Has anyone applied for a mortgage (first time/refi) while on EAD ? What status did you select - US Citizen or Permanent Resident ? And what documentation did you provide for your status ?

My loan has been approved, but the bank that I am working with will only accept a Green Card or H1B visa
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  #2 (permalink)  
Old 11-03-2009, 01:46 PM
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Default I am in
Quote:
Originally Posted by sam_hoosier View Post
Has anyone applied for a mortgage (first time/refi) while on EAD ? What status did you select - US Citizen or Permanent Resident ? And what documentation did you provide for your status ?

My loan has been approved, but the bank that I am working with will only accept a Green Card or H1B visa
same boat. Thinking of applying in next couple of months. Any replies will be really helpful. TIA.
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  #3 (permalink)  
Old 11-03-2009, 01:56 PM
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Default funny!
thats a unique problem to AOS... even i am on AOS and am thinking of refi... lets see


Quote:
Originally Posted by sam_hoosier View Post
Has anyone applied for a mortgage (first time/refi) while on EAD ? What status did you select - US Citizen or Permanent Resident ? And what documentation did you provide for your status ?

My loan has been approved, but the bank that I am working with will only accept a Green Card or H1B visa
__________________
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PD: Mar 2005
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I-140 AD: Jan 2008
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I-485 ND: Sept 29 2007
EAD: on second EAD
have used AC21
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  #4 (permalink)  
Old 11-03-2009, 02:00 PM
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Default
Quote:
Originally Posted by sam_hoosier View Post
Has anyone applied for a mortgage (first time/refi) while on EAD ? What status did you select - US Citizen or Permanent Resident ? And what documentation did you provide for your status ?

My loan has been approved, but the bank that I am working with will only accept a Green Card or H1B visa
Can you share the name of the Bank, you are working with that will not Accept EAD. You can not select US Citizen or Permanent Resident in the form, as you are with EAD and pending AOS not an LPR yet. But AOS (Pending 485 with EAD) should be okay to get a loan. I did a loan few years back and a re-fi couple months back and did not have any issue. Most banks are okay, but few might cause an issue.
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  #5 (permalink)  
Old 11-03-2009, 02:08 PM
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Default Op
can u share the name of the financial institute you are getting loan from?
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  #6 (permalink)  
Old 11-03-2009, 02:19 PM
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hpandey has a brilliant future hpandey has a brilliant future hpandey has a brilliant future hpandey has a brilliant future hpandey has a brilliant future hpandey has a brilliant future hpandey has a brilliant future hpandey has a brilliant future hpandey has a brilliant future hpandey has a brilliant future hpandey has a brilliant future
Default Just
Quote:
Originally Posted by sam_hoosier View Post
Has anyone applied for a mortgage (first time/refi) while on EAD ? What status did you select - US Citizen or Permanent Resident ? And what documentation did you provide for your status ?

My loan has been approved, but the bank that I am working with will only accept a Green Card or H1B visa
I had done it and just tell the bank that you have applied for permanent residency and your application is pending ( you are in AOS ) . If your bank doesn't do it go to some other one who will. I had done both - mortgage and refinance this year with a local bank and faced no questions at all .
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  #7 (permalink)  
Old 11-03-2009, 02:22 PM
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elaiyam is a jewel in the rough elaiyam is a jewel in the rough elaiyam is a jewel in the rough elaiyam is a jewel in the rough
Default
Recently I took a FHA loan... Had no issues with loan approval using EAD. (Gilpin, Chase, BoA and other local bank, all of them comfirmed my eligibility)

FHA Handbooks

See the section: c. Non- Permanent Resident Aliens
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  #8 (permalink)  
Old 11-03-2009, 02:32 PM
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Default thank you
Quote:
Originally Posted by elaiyam View Post
Recently I took a FHA loan... Had no issues with loan approval using EAD. (Gilpin, Chase, BoA and other local bank, all of them comfirmed my eligibility)

FHA Handbooks

See the section: c. Non- Permanent Resident Aliens
good information.... made my day..
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  #9 (permalink)  
Old 11-03-2009, 02:38 PM
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elaiyam is a jewel in the rough elaiyam is a jewel in the rough elaiyam is a jewel in the rough elaiyam is a jewel in the rough
Default
When they ask your status... do not use the word AOS. Just say 'I am on EAD'. Most of them do not understand the term AOS.
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