Are you nervous because you need a co-signer on your mortgage and your co-signer is not  U.S. citizen. This isn’t that uncommon, let’s start there. Take a deep breath. Here is some info on getting a co-signer that is not a U.S. citizen. The main thing to keep in mind is that the FHA might contact the U.S. Citizenship and Immigration Services within the Department of Homeland Security to get extra proof of lawful residency status of your co-signer. So, any co-signer will need to have their documentation readily available, but they can co-sign.

They will still need to meet the same minimum standards as you have to. For example, they must have adequate income and acceptable credit to co-sign on your loan. They should know that co-signing won’t land their name on the title, but they are promising to pay back your loan if you default.

Co-Signer Is A Permanent Resident Alien

If your co-signer is in legal terms a permanent resident alien, all they will need to provide to prove residency is a valid social security number and a green card of an Individual Taxpayer Identification Number.

Co-Signer is A Temporary Resident Alien

If your co-signer is a temporary resident alien, then they can use their Employment Authorization Document to verify their legal status.

Are You Buying a Home in Midland?

The Underwood Group is a team of top real estate professionals in Midland. We know Midland real estate, so if you’re thinking about buying with this kind of market, you’ll absolutely need our expertise. Call our team of Midland real estate agents at 432-698-0411 today.

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