Editor’s note: This post was originally published in March 2025 when FHA first announced this policy change. It’s been updated to reflect that the rule is now fully in effect and has been for over a year, with current eligibility and documentation details.
In March 2025, FHA issued Mortgagee Letter 2025-09, revising who can qualify for an FHA-insured mortgage based on residency status. The change is no longer new or pending — it took effect for case numbers assigned on or after May 25, 2025, and it’s the rule lenders are working under today. If you’re a non-permanent resident, or you’re a real estate agent working with borrowers on visas, here’s what you need to know. [Read more…]
Editor’s note: This post has been updated to reflect Fannie Mae’s current non-citizen borrower guidelines and to add information on ITIN and non-QM loan programs.
