Quick answer: SoFi offers the largest loan amounts and best rates for work visa holders with established credit, but requires at least two years of remaining visa validity. Stilt is the strongest option if you have little or no US credit history, since it evaluates your full financial profile instead of relying on a FICO…

Quick answer: An ITIN mortgage lets you buy a home in the US using your Individual Taxpayer Identification Number instead of a Social Security Number. Guild Mortgage is the strongest national option with a dedicated ITIN program, while HomeAbroad specializes specifically in ITIN and foreign national borrowers. Expect a down payment of 10-25% and a…

Quick answer: Lendbuzz is the strongest overall option for internationals with no US credit history — it evaluates education, employment, and global financial profiles instead of relying on a FICO score. If you want the option of adding checking, savings, and credit-building products under one roof, a credit union with a dedicated ITIN Lending program…

Quick answer: Yes. While most banks require an SSN, specialized lenders like Stilt and Oportun accept an ITIN or, in Stilt’s case, work with borrowers who have limited documentation, including undocumented immigrants. Community-focused nonprofits like Capital Good Fund also offer small personal loans specifically for immigration-related costs. Interest rates tend to be higher than for…

If you started researching H1B mortgages a couple of years ago and are picking it back up now, there’s one change you need to know about immediately: FHA loans are no longer available to H1B visa holders. As of May 25, 2025, HUD Mortgagee Letter 2025-09 removed FHA eligibility for all non-permanent residents, including H1B,…