Visa Holder Mortgage
What is a Visa Holder Mortgage?
A U.S. mortgage available to non-immigrant visa holders — H1B, L1, E2, O-1, TN, EB-5, F-1, and others.
A visa holder mortgage is a U.S. mortgage written to a non-immigrant visa holder — someone legally present in the United States on a work, study, or investor visa but without permanent residency. The category covers H1B specialty workers, L1 intracompany transferees, E2 treaty investors, O-1 extraordinary-ability holders, TN NAFTA professionals, EB-5 investors awaiting green-card status, and F-1 students (often with parental co-investment).
Conventional Fannie/Freddie financing technically allows some non-immigrant visa holders, but the bar is high: two years of U.S. employment, a Social Security Number, U.S. tax returns, and often a documented “continuance of status” demonstration. For visa holders who just arrived, are between renewals, or have non-traditional income, conventional simply doesn’t work.
Non-QM and DSCR programs solve this by underwriting either alternative documentation (bank statements, P&L, 1099s, asset utilization) or the property itself (DSCR). For investment property, DSCR is the cleanest fit — the property earns the rent, so the borrower’s visa subclass and U.S. tax history become irrelevant to the underwriting decision.
How visa-holder mortgages work at Total Quality Lending
Total Quality Lending’s Foreign National DSCR program covers all the visa categories above with one matrix: up to 75% LTV on purchase, loan amounts $150,000 to $1,500,000, credit scores from 680 (or No Credit Score path), investment property only. We don’t require SSN — ITIN or passport-based ID is accepted.
We maintain visa-specific landing pages with worked examples for each major category: H1B, L1, E2, O-1, TN, EB-5, and F-1 student.