Qualify
Pre-Approval Issued
$847,000
Rate
6.49% fixed
Visa
H-1B · Year 3
Income
W-2 + RSU
Time to Close
18 days
Live approval · anonymized
Approval Rate
94%
on first application
Your obstacle. Our mechanism.
Three of the most common scenarios we encounter — each with the specific tool we use to resolve it. Stakes escalate with each scroll.
Foreign Income Documentation
Your Indian rental income, foreign salary history, or overseas investment returns are flagged as "unverifiable" by every conventional lender's underwriting system.
Client Profile
Green card holder · Foreign rental income · 4 years U.S. residency
Cross-Border Income Verification Protocol
We work with 14 lender partners who accept Form 16, ITR-V, and international bank statements with certified translations. Foreign rental income is accepted at 75% of documented value.
Mechanism
Accepted: ITR-V, Form 16, CA-certified P&L, SWIFT transfer history, foreign property appraisals
Accepted Documents
- ITR-V (Indian Tax Return)
- Form 16 / Form 16A
- Foreign bank statements (12 mo.)
- Certified English translation
- Foreign rental agreement
Anonymized Result
Approved at 6.61% on $620K. Citizen-comparable rate: 6.55%. Δ = 0.06% — within guarantee.
Thin U.S. Credit File
Two years in the U.S. means two years of credit history — not enough for conventional scoring models that require 36 months minimum. Your 780 CIBIL score is invisible to FICO.
Client Profile
H-1B Year 2 · Software Engineer · $195K W-2 · No U.S. credit cards before 2023
Non-Traditional Credit Underwriting
We submit alternative credit evidence — 24 months of on-time rent, utility payments, international remittances, and subscription history — through our Fannie Mae-approved manual underwriting pathway.
Mechanism
Manual underwriting + alternative tradelines accepted by 8 of our 14 lender partners
Accepted Documents
- Rent payment history (landlord letter)
- Utility payment records (12 mo.)
- International credit report
- Bank statement showing payment patterns
- Employment verification letter
Anonymized Result
Approved at 6.72% on $780K. Citizen-comparable rate: 6.65%. Δ = 0.07% — within guarantee.
Visa Expiration Within Loan Term
Your H-1B expires in 14 months. Every bank's risk department sees a 30-year loan and a 14-month visa and declines without reading your employer's I-129 petition or your pending I-485.
Client Profile
L-1A Executive · Pending Green Card I-485 · Family relocating from São Paulo · $340K annual compensation
Visa Continuity Documentation Framework
We present your I-140 approval, employer's historical H-1B renewal rate, and priority date to underwriters who understand the difference between visa expiration and immigration status termination.
Mechanism
Accepted by lenders: I-140 approval notice, employer renewal commitment letter, I-485 receipt notice
Accepted Documents
- I-140 Approval Notice
- I-485 Receipt Notice (if filed)
- Employer renewal commitment letter
- Company H-1B renewal history
- Priority date documentation
Anonymized Result
Approved at 6.58% on $1.1M. Citizen-comparable rate: 6.50%. Δ = 0.08% — within guarantee.
The cases every other lender declines.
These aren't edge cases. They're the majority of our business. Each scenario below has a specific pathway — not a "let's see what we can do."
$340M+
funded for ITIN borrowers
No SSN. No problem.
ITIN borrowers are eligible for conventional mortgage products through our ITIN-specialized lender network. No SSN requirement.
- ITIN accepted in place of SSN by 6 lender partners
- Alternative credit scoring via 24-month payment history
- Up to $1.5M loan amount
- Available in CA, TX, FL, NY, AZ, WA
2-country
income consolidation approved
Two countries. One application.
Self-employed with income from both a U.S. LLC and a foreign entity? We consolidate both P&L statements into a single qualifying income figure.
- Foreign entity P&L accepted with CA certification
- Currency conversion at 12-month average rate
- 2-year self-employment history minimum
- Business stability documentation package
14
countries of foreign co-borrowers served
Co-borrower still in São Paulo.
Your spouse or family member is co-signing from abroad. We handle the remote notarization, apostille requirements, and foreign income inclusion.
- Remote notarization accepted (RON + apostille)
- Foreign co-borrower income included at 100%
- No U.S. presence required for co-borrower
- Handled L-1 executive relocations in 14 countries
340+
DACA mortgages closed
"Come back when your status changes" is not our answer.
DACA recipients with valid EAD are eligible for FHA and conventional loans through our DACA-approved lender partners. We've closed 340+ DACA mortgages.
- FHA and conventional programs available
- EAD accepted as qualifying immigration status
- No citizenship requirement
- 340+ DACA closings since 2019
Our Lender Partner Network — 14 Institutions
Check Your Eligibility in 90 Seconds
Five questions. A personalized eligibility tier. No credit pull. No commitment.
What is your current immigration status?
We accept 47 visa types. Select the one that best describes your current status.