Short answer
Yes, in many cases. Lawful permanent residents (green card holders) can use the same loan programs as U.S. citizens. Buyers who are lawfully in the U.S. on a work visa or other non-permanent status can often use a conventional loan: Fannie Mae buys those loans on the same terms as for citizens. FHA loans, though, are no longer available to non-permanent residents for FHA case numbers assigned on or after May 25, 2025.
I have a green card. Which loans can I use?
Permanent residents can use conventional, FHA and other programs on the same terms as citizens, as long as they qualify on credit, income and assets. The lender will ask for your permanent resident card along with the usual documents. Veterans who are permanent residents can also ask about VA loans.
I'm on a work visa. What are my options?
Fannie Mae buys loans made to non-U.S. citizens who are lawful permanent or non-permanent residents under the same terms as for citizens. It leaves the documents to the lender, which must be satisfied that you're legally present in the U.S. Expect to show your visa or employment authorization and a steady work history. See conventional loans in NH.
Lenders can add their own requirements, such as how much time is left on your visa, so the same file can get different answers at different lenders. As a broker, Tom can compare lenders' rules for your situation.
What changed for FHA loans?
HUD Mortgagee Letter 2025-09 removed non-permanent residents from FHA's single-family and reverse mortgage programs for case numbers assigned on or after May 25, 2025. FHA loans are now limited to U.S. citizens, lawful permanent residents and citizens of the Federated States of Micronesia, the Marshall Islands and Palau. Non-permanent residents who already have an FHA loan can keep it, but can't use FHA for a new loan, including an FHA streamline refinance. See FHA loans in NH.
Can a lender ask about my immigration status?
Yes. Federal fair lending rules (Regulation B) let a lender consider your immigration status or whether you're a permanent resident, because it can bear on repayment. A lender can't treat you differently because of your national origin.
What if conventional and FHA don't fit?
Some lenders offer non-QM loans with their own rules for buyers without a Social Security number or with shorter U.S. credit histories. They usually cost more, so compare carefully. If your credit history is thin, see a mortgage with no credit score.
Sources
- Fannie Mae Selling Guide B2-2-02, Non-U.S. Citizen Borrower Eligibility Requirements
- HUD Mortgagee Letter 2025-09, Revisions to Residency Requirements
- CFPB, Regulation B 12 CFR 1002.6(b)(7), Immigration status
Checked November 2, 2026. Rules and dates change, so confirm current details before you rely on them.
General information only, not tax or legal advice. Program availability, eligibility and terms vary by lender and are subject to change and to underwriting approval. Not a commitment to lend.