H1B 用FHA loan, 需要EAD?

今天和我的loan officer讨论FHA loan 的申请，说是需要EAD
我刚刚申请perm， 485还很遥远，要怎么找EAD啊，要是EAD card我就更晕了。
看地里很多人买房贷款，大家都用的是FHA loan吗，要是的话，我只有i797 能用来当作EAD吗？
求助中
谢谢大家啦

FHA 没有身份限制吗？

我也是H1B在Perm状态，Credit history不够所以考虑做FHA loan。。请问您最后是用了FHA Loan吗？一定需要EAD卡吗？多谢！

zpinthehouse 发表于 2021-8-14 11:45
我也是H1B在Perm状态，Credit history不够所以考虑做FHA loan。。请问您最后是用了FHA Loan吗？一定需要EAD ...

好像真的不行哦。

jchenrfclub 发表于 2021-8-14 20:13
好像真的不行哦。

根据我个人看HUD的handbook的理解。。应该是9月20之后可以，是一个修改。。
https://www.hud.gov/sites/dfiles ... 00.1hsgh-072021.pdf
https://www.hud.gov/program_offi ... lips/handbooks/hsgh
Section II.A.1.b.ii(A)(9)

(b) Non-Permanent Residents
A Borrower who is a non-permanent resident may be eligible for FHA-insured
financing provided:
• the Property will be the Borrower’s Principal Residence;
• the Borrower has a valid SSN, except for those employed by the
World Bank, a foreign embassy, or equivalent employer identified by
HUD;
• the Borrower is eligible to work in the United States provided the
Borrower provides either:
o an Employment Authorization Document (USCIS Form I-766)
showing that work authorization status is current;
o a USCIS Form I-94 evidencing H-1B status, and evidence of
employment by the authorized H-1B employer for a minimum of
one year;
o evidence of being granted refugee or asylee status by the USCIS;
or
o evidence of citizenship of the Federated States of Micronesia, the
Republic of the Marshall Islands, or the Republic of Palau; and