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  #76 (permalink)  
Old 04-27-2010, 10:01 AM
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Default here it is

FHA guideline.

FHA Handbooks
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  #77 (permalink)  
Old 04-28-2010, 03:52 PM
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chandsri81 can only hope to improve
Default

Thank you!

Mine's a conventional loan - will the same guidelines apply?

We have sent them all the documents - we should know in about 2 weeks
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  #78 (permalink)  
Old 04-28-2010, 03:56 PM
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austingc has a reputation beyond repute austingc has a reputation beyond repute austingc has a reputation beyond repute austingc has a reputation beyond repute austingc has a reputation beyond repute austingc has a reputation beyond repute austingc has a reputation beyond repute austingc has a reputation beyond repute austingc has a reputation beyond repute austingc has a reputation beyond repute austingc has a reputation beyond repute
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Quote:
Originally Posted by bpratap View Post
its generally the case, where these loan officers doesn't understand the Immigration process.

I also had to go thru it. I would suggest to give them a copy of I-140 approval. that is an approved doc, than a pending I-485.

Good part is, the Underwriters generally know about the immigration process and would take 1-140 approval doc as a valid doc.

Dont worry, your loan will be approved.
Dont worry. I mortgaged through BOA and everything went well with my AOS and I am closing next week.
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  #79 (permalink)  
Old 04-28-2010, 03:58 PM
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Quote:
Originally Posted by chandsri81 View Post
Hi

I just applied for a mortgage from BOA. The loan officer did not recognize what AOS was and asked me for an H1B - which has expired.

I explained about AOS and EAD and told her I could give the I-485 receipt, and she took in my application.
But I'm worried that my loan will be denied after underwriting - my closing is on 5/26 and I probably will not hear from the bank until second week of may.

Does anyone know of Banks in MA that give loans to EAD?

Chandana
I am going to close with BOA next week. They do know what is AOS means. I provided them my EAD copy and I-94 thats it.
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  #80 (permalink)  
Old 04-28-2010, 04:42 PM
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chandsri81 can only hope to improve
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thats good to know! Thanks!
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  #81 (permalink)  
Old 05-14-2010, 09:19 AM
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chandsri81 can only hope to improve
Default I94

Hi

BOA is now asking me for I-94. In my I-94 it is stamped as"Paroled until July 29th 2010" - will they interpret this as my valid stay in the US being only till July 29th? Not sure how I can explain this to them

Chandana
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  #82 (permalink)  
Old 05-14-2010, 12:06 PM
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Default

Quote:
Originally Posted by chandsri81 View Post
Hi

BOA is now asking me for I-94. In my I-94 it is stamped as"Paroled until July 29th 2010" - will they interpret this as my valid stay in the US being only till July 29th? Not sure how I can explain this to them

Chandana
Chandsri,

Do not worry, that is one of their procedures. They just go by the rules and documentation set by the underwritter. If you have your valid EAD and explain to them that you are currently on AOS status then it should be fine. If they said that we can not provide your loan because your I-94 is expiring soon, then just let me know and I will send you the loan officer's contact name that I dealt with.
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  #83 (permalink)  
Old 05-14-2010, 12:35 PM
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Default

thanks! thats encouraging..they already gave us a conditional approval last week asking for some documents, which I sent immediately. They didn't even open my documents for a week, and then the underwriter came back asking for some more things including this I94..these people are crazy! Today's my deadline and i still haven't heard anything

I will let you know if they refuse the give us a loan..thanks again for the help!
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  #84 (permalink)  
Old 07-21-2010, 01:53 AM
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Default

Any one recently re-financed or obtained a mortgage loan with Bank of America or Wells Fargo. Both the banks denied loan stating not having a valid visa as a reason, though I have approved EAD with 485 pending and I-140 approved. I have contacted the customer support, since the loan was through the mortgage broker. The underwrite appears to not accept EAD as a valid status and asking to provide a copy of visa to purse further. Any one have any specific docs / links that might help other than the ones in this thread.
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  #85 (permalink)  
Old 07-21-2010, 02:53 AM
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Default give copy of I-140 Approval

They may not consider EAD, but if you submit a copy of I-140 they will consider that.

I also had to go thru a cycle of process, but finally they approved on on submitting a copy of I-140 Approval letter
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  #86 (permalink)  
Old 07-21-2010, 04:30 AM
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Default show em ur expired visa

hi,
In case you have a visa stamped on your passport (even if its expired ) give it to them, also talk to your loan agent at the bank and ask him to pass the details to the underwriter,loan agents dont understand the immigration intricacies but the underwriters do- it may take a few more days but eventually they will approve it.
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  #87 (permalink)  
Old 07-21-2010, 09:05 AM
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Default BOA and Loan on EAD

Friend

I recently got a aloan from BOA on EAD without any probem.
The Loan officer was fully aware the visa sattus. Dont know how he maneged but for me I didn't face any problem in financing from BOA.

If you still face problem send me a private message an I will pass his informations so that you will be on right loan offcer hands who understand visa status etc.
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  #88 (permalink)  
Old 07-21-2010, 09:27 AM
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Default

Thanks all for the updates. Also the loan agent I am working seems to understand, the underwriter is the one causing issue. I-140 approval has already been submitted along with EAD copy and I-485 receipt, Still they need the visa copy, which is expired in my case.
Will try talking to them again. I have sent an email to Bank of America customer service wiith details and hope fully they respond back.
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  #89 (permalink)  
Old 07-21-2010, 09:31 AM
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Default

Quote:
Originally Posted by vikasgarg24 View Post
Friend

I recently got a aloan from BOA on EAD without any probem.
The Loan officer was fully aware the visa sattus. Dont know how he maneged but for me I didn't face any problem in financing from BOA.

If you still face problem send me a private message an I will pass his informations so that you will be on right loan offcer hands who understand visa status etc.
Do you posses a valid / current visa along with EAD. They seem to be okay with visa, and seems to lack knowledge on the EAD/485 stuff. Can you please PM the link to the loan office you worked, if he is agreeing to talk / provide updates. BTW, mine is a re-finance, and never had problem before and this is the first time, the visa issue is causing difficulties. The reason I went through this loan agent is the rate I am getting.
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  #90 (permalink)  
Old 07-21-2010, 10:28 AM
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getgreened2010 is a jewel in the rough getgreened2010 is a jewel in the rough getgreened2010 is a jewel in the rough getgreened2010 is a jewel in the rough
Default

I got my loan approved in April 2010 from Wells Fargo, the under writer created some problems but my loan officer gave them references of prior loans getting approved for people on AOS so it worked out well in the end. I know a lot of people who's loans were approved (both conventional and FHA) and were on AOS. All the best hope everything works out well for you.


Quote:
Originally Posted by gc_check View Post
Any one recently re-financed or obtained a mortgage loan with Bank of America or Wells Fargo. Both the banks denied loan stating not having a valid visa as a reason, though I have approved EAD with 485 pending and I-140 approved. I have contacted the customer support, since the loan was through the mortgage broker. The underwrite appears to not accept EAD as a valid status and asking to provide a copy of visa to purse further. Any one have any specific docs / links that might help other than the ones in this thread.
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