Can I buy a house and get a mortgage while I'm on a work visa?
Yes. Owning U.S. real estate has no citizenship or green-card requirement, and visa holders (H-1B, L-1, and others) regularly qualify for conventional mortgages. Lenders care about your ability to repay: a valid SSN, two years of documented income (or a strong offer letter plus recent pay), a credit score, and proof your visa is current. Some lenders want to see that your authorization extends comfortably beyond closing. Expect the same down-payment and rate options as anyone else once you qualify, often as little as 3–5% down on a conventional loan, though more reduces your rate and removes mortgage insurance. Buy only if you'll stay put long enough (roughly 5+ years) to absorb transaction costs. See wealthserene.com/tools/home-affordability.
Educational disclaimer: All content on WealthSerene.com is for educational purposes only and does not constitute investment advice. Projections and calculations are illustrative — actual results will vary based on market conditions, your specific situation, and many factors outside this tool’s scope. Always consult a qualified financial professional for advice specific to your situation. View full disclosures →