How Immigrants Can Buy a House in the US and Best Property Insurance 2026/2027

Buying a house in the United States as an immigrant is one of the most realistic and rewarding financial decisions available to foreign-born residents, visa holders, green card holders, and non-resident investors in 2026. US law does not prohibit non-citizens from purchasing residential property, and a growing range of mortgage programmes, home loan products, and flexible home financing options now serve borrowers who fall outside the conventional citizen-only lending box. The real question is rarely whether you are allowed to buy. It is how to qualify for the best mortgage rate, secure mortgage lender approval with your specific visa or immigration status, and lock in the affordable homeowners insurance coverage that almost every mortgage lender requires before closing. Get those three pieces right, and homeownership in America becomes a powerful engine for building home equity, financial stability, and long-term wealth.

That insurance requirement deserves your attention early, because it is often overlooked in the rush to close on a property loan. Homeowners insurance is mandatory for virtually every mortgage approval in the country, and for immigrant buyers in certain states, finding affordable home insurance coverage that satisfies lender requirements has become a major financial hurdle in its own right. This guide covers both sides of the equation: how to qualify for and secure a mortgage as an immigrant in 2026, and how to choose the best property insurance for your new home in 2026 and 2027. Requirements vary significantly by visa status, lender, loan type, state, credit score, income, down payment, property type, and insurance market conditions. Always verify current requirements with a licensed mortgage lender, real estate attorney, and insurance broker before making any commitment.

Who This Mortgage and Home Insurance Guide Is For

This guide to US home loans and property insurance is written for:

• Lawful permanent residents (green card holders) who want to understand their full range of mortgage options and the lowest available home loan rates
• Non-resident aliens and foreign nationals who want to buy a primary residence or investment property in the United States
• H-1B, L-1, O-1, E-2, TN, and other work visa holders looking to purchase a home while legally employed in the US
• DACA recipients and others with uncertain immigration status who want to understand current mortgage eligibility
• Immigrants with limited US credit history who need to understand how ITIN loans and alternative mortgage products work
• Foreign-born residents who want to compare homeowners insurance providers and understand exactly what coverage they need
• Immigrant real estate investors weighing whether to buy under their own name or through a US LLC or corporation
• International buyers considering a vacation home or rental investment property in the United States without residing there

Quick Answer: Can Immigrants Get a Mortgage and Home Insurance in the US?

Immigrants can legally purchase property in the United States regardless of immigration or visa status. Green card holders qualify for virtually all conventional and government-backed mortgage programmes on the same basis as US citizens. Work visa holders may qualify for conventional home loans through lenders that accept non-permanent resident mortgages, typically requiring a larger down payment, strong income documentation, and a valid visa with sufficient remaining validity. Non-resident aliens and foreign nationals generally access ITIN loans, foreign national mortgage programmes, or DSCR loans with down payments of 20 percent to 35 percent and higher mortgage interest rates. Homeowners insurance is required by all mortgage lenders, and premiums vary significantly by state, property type, age, location, and coverage level. Comparing home insurance quotes from at least three insurance providers is essential, particularly in Florida, California, Louisiana, and Texas, where home insurance markets have experienced significant disruption.

Mortgage and Insurance Options for Immigrant Home Buyers: Comparison Table

Requirements vary by lender, state, loan amount, and property type. Confirm current eligibility with a licensed mortgage professional.

Step 1: How Your Immigration Status Affects Your Mortgage Options

Your immigration status is the single most important factor that determines which mortgage programmes you qualify for, what documentation mortgage lenders will request, and which lenders will work with you at all. For home loan purposes, the US mortgage market sorts borrowers into roughly four immigration categories.

Lawful Permanent Residents (Green Card Holders)

Green card holders are treated almost identically to US citizens for mortgage qualification. You can apply for conventional loans backed by Fannie Mae and Freddie Mac, FHA loans, VA loans if you are a qualifying veteran, and USDA loans for eligible rural properties. The only meaningful difference is that lenders will ask to see a copy of your permanent resident card. Your access to the full range of home loan programmes and the lowest available mortgage rates is essentially the same as a US citizen.

If your green card is expiring soon or has recently been renewed, bring documentation of the renewal to your lender, since some mortgage underwriters want to see adequate remaining validity or proof of ongoing status.

Work Visa Holders and Non-Permanent Resident Aliens

Foreign nationals on temporary work visas, including H-1B, L-1A, L-1B, O-1, TN, and E-3 categories, can qualify for conventional mortgages under Fannie Mae and Freddie Mac guidelines, which explicitly permit lending to non-permanent resident aliens. The key requirements are a valid Social Security Number, a current employment authorisation document or visa demonstrating your right to work in the US, and a visa that does not expire before the end of the year, though some lenders require more remaining validity than others.

FHA loans are also available to non-permanent resident aliens with valid work authorisation. Down payment requirements for non-permanent residents are typically 5 percent to 10 percent for conventional home loans and 3.5 percent for FHA, depending on credit score and lender overlays.

The main risk factor for lenders is the temporary nature of work visa status. Some lenders add requirements such as a two-year employment history with the same US employer, an employer letter confirming intent to maintain employment, or a larger down payment to offset visa-related uncertainty.

DACA Recipients

As of 2026, FHA mortgage eligibility for DACA recipients remains an active and sometimes shifting policy area. A 2021 rule change allowed DACA recipients to apply for FHA-backed mortgages, and some conventional lenders and Fannie Mae programme guidelines also accommodate DACA status. Policy interpretations and lender willingness still vary, however. If you are a DACA recipient, work with a mortgage broker who has direct experience in DACA borrower transactions and can identify current lender appetite.

Non-Resident Aliens and Foreign Nationals Without US Presence

Foreign nationals who live outside the United States and do not hold a Social Security Number or US credit history cannot access conventional or government-backed mortgage programmes. They must use non-QM (non-qualified mortgage) products built for their profile, primarily ITIN loans, foreign national mortgage programmes, and DSCR loans for investment property purchases. These home financing routes are covered in detail below.

Step 2: Build Your US Credit Profile for a Better Mortgage Rate

For immigrant buyers already living and working in the US, building a strong US credit history before applying for a mortgage will significantly improve your interest rate, loan options, and approval probability.

A mortgage-ready credit profile typically requires at least two to three years of US credit history, a minimum of two or three active credit accounts in good standing, a credit score of 620 or above for conventional loans and 580 or above for FHA, and no recent late payments, collections, or derogatory marks.

If you are building US credit from scratch, prioritise opening a secured credit card, obtaining a credit-builder loan through a credit union, and enrolling in a rent reporting service if you currently rent. Consistent on-time payments over 12 to 24 months can establish a score in the 680 to 720 range, which qualifies for competitive mortgage rates with most lenders.

If you have been in the US for fewer than two years and lack sufficient credit history, some lenders accept alternative credit documentation, including 12 to 24 months of on-time rent payment records, utility payment history, insurance premium payments, and bank statements demonstrating consistent financial management. Ask lenders directly about their non-traditional credit underwriting policies.

Step 3: Compare the Best Mortgage Loans for Immigrant Buyers

Conventional Loans for Non-Permanent Residents

Conventional loans backed by Fannie Mae and Freddie Mac are available to non-permanent resident aliens with valid work authorisation and Social Security Numbers. The standard down payment is 5 percent to 20 percent depending on the loan amount and the borrower’s credit profile. Private mortgage insurance (PMI) is required for loans with less than 20 percent down and is cancelled once home equity reaches 20 percent.

Interest rates for non-permanent resident conventional loans are generally competitive with rates for US citizens, though lender overlays, the additional requirements imposed by individual lenders above the Fannie Mae or Freddie Mac minimum, can vary widely. Shopping multiple mortgage lenders is especially important for immigrant borrowers because lender comfort with non-permanent resident status differs significantly.

FHA Loans for Immigrant and First-Time Home Buyers

FHA loans, insured by the Federal Housing Administration, are available to lawful permanent residents and non-permanent resident aliens with valid work authorisation. The FHA minimum down payment is 3.5 percent for borrowers with a credit score of 580 or above, and 10 percent for scores between 500 and 579.

FHA loans are popular among first-time homebuyers, including immigrants, because of the lower down payment threshold, more flexible credit score requirements, and broader lender accessibility. The trade-off is that FHA loans require both an upfront mortgage insurance premium (MIP) of 1.75 percent of the loan amount and an annual MIP of 0.55 percent to 1.05 percent depending on the loan term and loan-to-value ratio, which adds to the total cost of borrowing.

ITIN Loans for Borrowers Without a Social Security Number

ITIN loans are mortgage products designed for borrowers who have an Individual Taxpayer Identification Number but not a Social Security Number. They are used by non-resident aliens, undocumented residents, and others who pay US taxes through the ITIN system but do not have SSN-based credit files.

ITIN loans are typically offered by community banks, credit unions, CDFI lenders, and some non-bank mortgage companies, rather than the major national lenders. Down payment requirements usually start at 20 percent to 25 percent, and lenders assess creditworthiness through bank statements, tax returns filed with the ITIN, rental payment history, and other alternative documentation.

Interest rates on ITIN loans run higher than conventional rates, reflecting the additional underwriting complexity and non-standard borrower profile. Despite the higher cost, ITIN loans have helped many immigrant families purchase their first home in the United States and begin building equity.

Foreign National Mortgage Programmes

For buyers who live outside the United States and have no Social Security Number or US credit file, foreign national mortgage programmes offered by non-QM lenders and portfolio lenders are the primary route to financing US residential property. These programmes require larger down payments, typically 25 percent to 35 percent, and carry higher interest rates than conventional loans.

Foreign national mortgage programmes usually require a valid passport, foreign bank statements, a bank reference letter from the applicant’s home country financial institution, proof of source of funds for the down payment, and in some cases an ITIN. DSCR versions of these programmes, used for investment properties, qualify the loan on the rental income of the property rather than the borrower’s personal income.

DSCR Loans for Immigrant Property Investors

DSCR (Debt Service Coverage Ratio) loans are ideal for immigrant real estate investors buying rental properties because they qualify the loan on the property’s rental income rather than the borrower’s employment or income documents. This makes them accessible to self-employed immigrants, foreign nationals, and business owners whose income can be difficult to document conventionally.

DSCR loans typically require a down payment of 20 percent to 30 percent, a minimum DSCR of 1.0 to 1.25, and a credit score of 620 or above in most cases, though some foreign national DSCR programmes use alternative credit assessment. Interest rates are higher than conventional loans but often more accessible than other non-QM products for investment-focused borrowers.

Step 4: Prepare Your Mortgage Application Documentation

The documentation required for an immigrant mortgage application varies by loan type and borrower profile. The following checklist covers the most commonly requested items.

For all immigrant borrowers: valid passport or government-issued ID, visa or immigration status documentation (green card, EAD, visa stamp), Social Security Number or ITIN, two years of US federal tax returns where applicable, two years of W-2s or equivalent income documentation, two to three months of bank statements, an employment verification letter on employer letterhead, and documentation of any assets to be used for the down payment and reserves.

For non-resident alien and foreign national borrowers, additionally: foreign bank statements for two to three months, a bank reference letter from a home country financial institution, proof of source of funds for the down payment, and Form W-8BEN or equivalent tax status documentation.

For ITIN loan borrowers, additionally: an ITIN confirmation letter, and alternative credit references including rent payment history, utility records, and bank statements demonstrating consistent financial management.

Down payment funds must generally be sourced and documented, with large unexplained deposits subject to additional explanation. Gift funds from family members are acceptable on many loan programmes with a gift letter confirming the funds are a gift and not a loan.

Step 5: Budget for Down Payment Requirements and Closing Costs

Down payment requirements for immigrant mortgage borrowers vary by loan type and status:

• Green card holders and work visa holders using conventional loans: as low as 5 percent for most loans, with 20 percent allowing you to avoid PMI
• FHA loans for lawful immigrants: 3.5 percent minimum with a 580 credit score
• ITIN loans: typically 20 percent to 25 percent minimum
• Foreign national mortgage programmes: 25 percent to 35 percent minimum
• DSCR investment property loans: 20 percent to 30 percent minimum

Closing costs in the United States typically add 2 percent to 5 percent of the loan amount to the upfront cost of purchasing a home. These include loan origination fees, appraisal fees, title insurance, attorney fees in states where they apply, recording fees, prepaid property taxes, and the prepaid homeowners insurance premium. For a 400,000 dollar home, closing costs of 3 percent represent 12,000 dollars in addition to the down payment. Budget for both the down payment and closing costs together when assessing affordability.

Some loan programmes and states offer down payment assistance programmes for first-time homebuyers, including some available to non-citizens with lawful status. Research current state-level down payment assistance through your state’s housing finance agency.

Best Homeowners Insurance for Immigrants in 2026 and 2027

Homeowners insurance is a mandatory requirement for any mortgage-financed home purchase in the United States. Lenders require proof of insurance coverage, at minimum dwelling coverage sufficient to rebuild the home plus liability coverage, before closing. Buying the right policy at a competitive premium is therefore not optional. It is a condition of your home loan, and comparing home insurance quotes can save you thousands of dollars a year.

What Homeowners Insurance Covers

A standard HO-3 homeowners insurance policy covers the dwelling structure against named perils including fire, windstorm, hail, lightning, theft, and vandalism. It also covers personal property, personal liability, and loss of use (additional living expenses if you are displaced after a covered loss). Flood and earthquake damage are generally not covered under standard policies and require separate insurance or endorsements.

For immigrant buyers purchasing in flood-prone areas, including large parts of Florida, Louisiana, coastal Texas, and the Mississippi River basin, flood insurance through the National Flood Insurance Programme (NFIP) or a private flood insurer is likely to be required by the lender if the property sits in a designated flood zone.

Homeowners Insurance Challenges by State

Home insurance markets vary dramatically by state. Buyers in Florida, California, Louisiana, and increasingly Texas should know that the standard insurance market has contracted significantly in recent years. Several large insurance carriers have exited these states because of catastrophic loss events, regulatory constraints, and reinsurance cost pressures. The result is reduced competition, higher premiums, and in some cases limited options for private market coverage.

In Florida, state-backed Citizens Property Insurance Corporation remains the insurer of last resort for buyers who cannot obtain private market coverage, though Citizens premiums are not necessarily lower than available private alternatives. Florida buyers should request home insurance quotes very early in the purchase process, ideally before making an offer, because insurability and premium levels can directly affect the financial viability of a purchase, particularly for older properties and those in coastal or flood-adjacent zones.

In California, some of the largest homeowners insurance carriers, including State Farm and Allstate, have paused or restricted new policy issuance in recent years. Buyers in high-fire-risk areas face limited options and high premiums. California’s FAIR Plan provides basic fire coverage as a last resort but not the comprehensive protection of a standard HO-3 policy.

In Texas, wind and hail risks in coastal counties are often excluded from standard policies and require separate windstorm insurance through the Texas Windstorm Insurance Association (TWIA) for properties in the first-tier coastal area.

Buyers in lower-risk states, including the Midwest, Mountain West, and most of the Southeast outside the Gulf Coast, typically enjoy broader insurer competition and more accessible home insurance pricing.

Major Homeowners Insurance Providers to Compare

The following are among the most widely available and highly rated homeowners insurance companies in the United States as of 2026. Availability, pricing, and policy features vary by state, property type, and individual risk profile. Always compare multiple insurance quotes and confirm current availability before purchasing.

State Farm is the largest homeowners insurance provider in the United States by market share. It offers comprehensive coverage options, a strong claims service record, and meaningful discounts for bundling with auto insurance. State Farm has restricted new policy issuance in California and Florida but remains widely available elsewhere.

Allstate offers broad coverage options including extended replacement cost coverage, water backup protection, and identity theft protection as add-ons. It has also restricted new policies in some high-risk markets but maintains a strong presence across most states.

USAA provides homeowners insurance exclusively to current and former US military members and their families. For eligible immigrants who have served in the US military, USAA consistently rates among the highest for customer satisfaction and policy value.

Amica Mutual is a direct mutual insurer consistently rated among the highest for claims satisfaction. Amica is not the cheapest option but is known for prompt and fair claims handling.

Nationwide offers competitive rates in many markets with flexible coverage options and strong bundling discounts for home and auto insurance policies.

Progressive has expanded its homeowners insurance offering significantly and provides competitive rates in many states, with the convenience of online quoting and policy management.

Hippo and Lemonade are technology-first insurers that have gained traction with younger and first-time homebuyers through streamlined online applications and competitive pricing in the markets where they operate. Coverage availability varies by state.

For buyers in Florida, Citizens Property Insurance Corporation and several specialist Florida-market carriers, including Universal Property and Casualty, Heritage Insurance, and Slide Insurance, remain active. Rates have increased significantly, and buyers should budget accordingly.

How Much Does Homeowners Insurance Cost?

National average homeowners insurance premiums in 2026 run approximately 1,500 to 2,500 dollars per year for a standard single-family home, though actual costs vary enormously by state, property location, construction type, home age, coverage amount, and deductible.

Higher-risk states command much higher premiums. Florida home insurance averages are among the highest in the nation, with many buyers paying 4,000 to 10,000 dollars or more per year depending on location, property value, and coverage requirements. Coastal Texas and Louisiana face similarly elevated premiums. Midwest and Mountain West states tend to sit closer to the national average.

Factors that affect your homeowners insurance premium include the dwelling replacement cost, the age and construction type of the home, location relative to flood zones, wildfire risk areas, and hurricane or windstorm exposure zones, distance from the nearest fire station, your claims history, and the deductibles and coverage limits you select.

To secure the most competitive insurance rate, obtain quotes from at least three insurers, consider bundling home and auto insurance with the same carrier for a multi-policy discount, maintain a strong personal credit score where applicable, choose the highest deductible you can comfortably absorb in a claim, and install safety features such as smoke detectors, security systems, and storm shutters where relevant.

Can Immigrants and Non-Citizens Buy Homeowners Insurance?

Yes. Homeowners insurance in the United States is available to non-citizens, immigrants, visa holders, and foreign nationals purchasing US property. Insurance companies are not permitted to discriminate against applicants based on national origin. Insurers will typically require the property address, basic personal information, and a payment method. An SSN or ITIN may be requested, but requirements vary by insurer. Foreign nationals purchasing US investment property can generally obtain a landlord or investment property insurance policy rather than a standard homeowners policy.

Mistakes to Avoid When Buying a Home as an Immigrant

Assuming your visa status prevents you from buying a home: US law places no citizenship or residency requirement on property ownership. Your visa status affects which mortgage programmes you can access and what documentation you need, but it does not prevent you from buying property.

Not shopping multiple mortgage lenders: lender policies toward non-permanent resident and immigrant borrowers vary enormously. A lender that declines your application over visa status or non-traditional credit may be followed by another that approves it readily. Work with a mortgage broker experienced in immigrant borrower transactions to access a wider range of lenders efficiently.

Not budgeting for property insurance before choosing a location: in Florida, California, coastal Texas, and Louisiana, home insurance can add thousands of dollars per year to the cost of ownership. Get insurance quotes before committing to a specific property or location, not after.

Moving down payment funds from overseas at the last minute: lenders require down payment funds to be seasoned in a US bank account for a defined period, typically 60 to 90 days. Moving large sums from abroad shortly before closing triggers additional sourcing and documentation requirements that can delay or jeopardise your loan.

Not getting pre-approved before making offers: a mortgage pre-approval clarifies your budget, demonstrates seriousness to sellers, and surfaces any documentation gaps before you are under the time pressure of a contract. For immigrant borrowers, pre-approval can take longer than for conventional borrowers, making early engagement with a lender essential.

Buying under your own name without considering alternative ownership structures: depending on your immigration status, tax situation, and investment goals, purchasing through a US LLC or trust may offer advantages in liability protection and estate planning. Discuss ownership options with a real estate attorney and tax adviser before closing.

Not reviewing the full insurance policy before closing: lenders specify minimum coverage requirements in the loan commitment. Make sure your policy meets those requirements for dwelling coverage limit, liability limit, and deductible. Disputes about inadequate coverage discovered at closing create delays.

Frequently Asked Questions

Can immigrants buy a house in the United States?

Yes. US law does not restrict property ownership based on citizenship or immigration status. Foreign nationals, visa holders, green card holders, and even undocumented residents can legally purchase real estate in the United States. The differences between immigrant and citizen buyers relate to mortgage eligibility, documentation requirements, and down payment thresholds rather than the legal right to buy.

Can I get a mortgage in the USA as a non-US citizen?

Yes, depending on your immigration status. Green card holders qualify for conventional, FHA, VA, and USDA mortgage programmes on essentially the same basis as US citizens. Work visa holders can qualify for conventional and FHA loans with valid work authorisation and a Social Security Number. Non-resident aliens and foreign nationals without SSNs can access ITIN loans, foreign national mortgage programmes, and DSCR investment property loans through non-QM lenders.

What credit score do I need to buy a house as an immigrant?

For conventional mortgages, a minimum credit score of 620 is generally required, with scores of 740 and above qualifying for the best mortgage rates. For FHA loans, the minimum is 580 for a 3.5 percent down payment or 500 for a 10 percent down payment. ITIN loans and foreign national programmes use alternative credit assessment that may not rely on a FICO score at all. Building a US credit history before applying significantly improves your loan options and rate.

What is an ITIN loan and who qualifies?

An ITIN loan is a mortgage product for borrowers who have an Individual Taxpayer Identification Number instead of a Social Security Number. These loans are offered by community banks, credit unions, CDFI lenders, and some non-bank mortgage companies. They typically require a 20 percent to 25 percent down payment, alternative credit documentation, and two years of ITIN tax returns. Interest rates are higher than conventional loans.

How much down payment does an immigrant need to buy a house?

Down payment requirements vary by loan type and immigration status. Green card holders and work visa holders can access FHA loans with as little as 3.5 percent down. Conventional loans for non-permanent residents typically require 5 percent to 10 percent. ITIN loans typically require 20 percent to 25 percent. Foreign national mortgage programmes typically require 25 percent to 35 percent. DSCR investment property loans typically require 20 percent to 30 percent.

Is homeowners insurance required for immigrant home buyers?

Yes. Homeowners insurance is required by all mortgage lenders as a condition of loan approval, regardless of citizenship or immigration status. You must provide proof of an active policy before your loan can close, and the policy must meet the lender’s minimum coverage requirements for dwelling and liability coverage.

What is the best homeowners insurance for immigrants?

The best homeowners insurance for any buyer, including immigrants, is the policy that provides adequate coverage at the most competitive price from a financially stable insurer. State Farm, Allstate, Amica, Nationwide, and Progressive are among the most widely available and well-rated providers nationally. In high-risk markets such as Florida and California, coverage options are more limited and specialist state-market carriers may be the primary choice. Always compare at least three insurance quotes and confirm the insurer’s financial stability rating before purchasing.

Do I need a Social Security Number to buy homeowners insurance?

Not always. Some insurers require an SSN to run a credit check during the application. Others accept an ITIN or do not run a credit check at all, particularly for investment property or landlord policies. If you do not have an SSN, provide your ITIN during the application, or shop among providers that do not require an SSN for coverage.

Can a foreign national buy a house in the USA without living there?

Yes. Foreign nationals who do not reside in the United States can purchase US real estate as an investment or vacation property. Financing is limited to non-QM products including foreign national mortgage programmes and DSCR loans, which require larger down payments and carry higher interest rates than conventional mortgages. FIRPTA tax obligations apply when the property is eventually sold, and ongoing rental income is subject to US federal income tax withholding and annual reporting. Consulting a US real estate attorney and cross-border tax adviser before purchasing is strongly recommended.

What are the tax implications of buying a home in the US as an immigrant?

Tax implications depend on your tax residency status, visa category, state of residence, and whether you occupy or rent the property. US tax residents, including green card holders and individuals who meet the Substantial Presence Test, are taxed on worldwide income including rental income. Non-resident aliens are taxed on US-source income. Capital gains on the sale of a primary residence may qualify for exclusions available to qualifying homeowners. FIRPTA withholding of 15 percent of the gross sale price applies when a foreign national sells US real property. A qualified US tax adviser familiar with immigrant and cross-border tax issues should be consulted before purchasing and at each tax filing.

Conclusion

Buying a home in the United States as an immigrant is a reachable goal in 2026 and 2027 for buyers across the full spectrum of immigration status, from green card holders with near-citizen mortgage access to foreign nationals using ITIN loans or non-QM mortgage products. Success comes down to preparation: understanding which mortgage programmes fit your status, building or documenting your US credit profile, assembling the right documentation, and choosing the right mortgage lender for your circumstances.

Homeowners insurance is equally important and should be researched alongside your mortgage, not treated as an afterthought. In states such as Florida, California, and coastal Texas, insurance availability and cost have become major factors in overall home affordability that must be budgeted before, not after, committing to a purchase.

Compare lenders and mortgage brokers with proven experience in immigrant borrower transactions. Get home insurance quotes from at least three providers before closing. Engage a real estate attorney to review your purchase contract and closing documents. Consult a tax adviser on the implications of homeownership for your specific immigration and tax situation. And build your US credit file from your first day in the country. The stronger your financial profile, the better your mortgage options and the lower your long-term cost of homeownership will be.

This article is for general educational information only. It is not financial, tax, legal, mortgage, investment, or immigration advice. Rules, rates, fees, eligibility, and application requirements can change. Always confirm details with the relevant lender, bank, broker, tax adviser, immigration lawyer, government authority, insurance provider, or regulated professional before making decisions.