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Non-Permanent Resident Alien Guidelines Highlights and Notes
A Non-Permanent Resident Alien is a non-U.S. citizen legally permitted to live and work in the United States on a temporary basis. To qualify for financing, borrowers must present valid documentation confirming their current immigration status.
Residency Verification Requirements
Applicants in this category are not eligible for Carrington Advantage products if they lack a valid visa or green card, or if their only documentation is an Employment Authorization Document (EAD).
Eligible Visa Types Include:
A Visas: A-1, A-2, A-3
E Visas: E-1, E-2, E-3
G Visas: G-1 through G-5
H-1 Visa
L-1 Visa
NATO Visas
O-1 Visa
R-1 Visa
TN Visa (NAFTA/USMCA)

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Mortgage Pre-Qualification Form – No Credit Check

Plaza Home Mortgage

Solutions Non-QM Non-QM lender now allows you to qualify using a flat 20% expense ratio across all industries and without requiring a business narrative. * Qualify using a 50%-90% expense factor no additional expense information is required. * For borrowers with a business that operates with a lower expense factor we will still accept an accountant expense letter as an alternative.* Non-Permanent Residents: Temporary Protected Status (TPS) must be verified on the USCIS website. Note: This expense factor update

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03/25/2025 07/25/2025

Oaktree Funding

Oak Tree Funding Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Oaktree Funding: Your Premier Non-Qualified Mortgage Lender G Non-Agency Equity HELOC Investor Professional Investor Cash Flow Advantage Platinum Advantage Full Stack Mortgage Pre-Qualification Form – No Credit Check

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08/20/2024 12/01/2025

Carrington Wholesale

Carrington Wholesale Offers the Following Loan Program via our broker channels Check back often as we are always updating our lender and loan program information. Prime Advantage (portfolio) Flexible Advantage Plus (non-QM) Flexible Advantage (Non-Prime) Investor Advantage (business purpose) Closed End Second Mortgage (stand-alone second mortgage) We continue to aggressively price conventional, high balance, jumbo, VA, and FHA. Non-Prime FHA and VA FHA and VA go down to 550 credit score to 90% LTV. We do have the “no

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06/30/2024 12/21/2025

AD Mortgage

AD Mortgage Offers the Following Programs DSCR Program Our business purpose mortgage loan program is tailored to meet the needs of real estate investors seeking flexibility and efficiency. With no income or employment verification required, and no need to meet debt service coverage ratio (DSCR) requirements, this program offers a hassle-free path to securing financing. Mortgage Pre-Qualification Form – No Credit Check 12 and 24 Month Bank Statements Flexible Qualification for Self-Employed Borrowers Self-employed borrowers qualify with either 12

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06/22/2024 07/25/2025

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Non-Prime Mortgages

Non-Prime Wholesale Lenders

Non-Prime Lending

Non-Prime Bank Statement Mortgages

Non-Prime Wholesale Lenders

DSCR Mortgages

Non-Prime 1099 Only Loans

Non-Prime Loan Programs

Credit Score Tools

Second Mortgages

Bank Statement Second Mortgages

Second Mortgage Niche Loans

Stated Income Mortgages

Non-QM Lenders and Loans