Get your free financial scoreSign inYour data on this device
Free to use. No account required.

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.

All questionsBrowse the articles
Educational disclaimer. Everything on WealthSerene.com is educational and is not investment advice. Projections and calculations are illustrative; actual results depend on market conditions, your situation and factors outside this tool’s scope. For a decision specific to your situation, consult a qualified financial professional. View full disclosures