Has any DREAMER bought or owns a HOUSE??? - Page 3
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Originally Posted by SomeGuy_
I am a homeowner in CA. I make several times more than minimum wage. The biggest probelm that many DACA people have is the fact that their SSN is "too" new. Given a conversation that I had with someone at a credit bureau, it takes at least two years for the new SSN to decently propogate through the system. However my income and down payment amount was sufficient to get the loan. In addition, I've had multiple credit accounts and bank acconts with my ITIN since 2005. After I got my SSN, I slowly and strategically switched the ITIN to an SSN on my accounts. First begining with the bank accounts. No more than 1 switch per month. I also established brand new credit accounts using the new SSN.
In CA, minimum wage (or anywhere near) is not enough to get a home loan. Basic rule of thumb, the income of the person(s) applying for the loan should be ATLEAT 3X the total monthly payment. In my case that number includes city taxes, homeowners insurance, and utilities as well. |
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Application Sent: Nov 27, 2012, USCIS Received Date: Nov. 28 Application Notice Date: Nov. 30Bio-metrics Notice Date: Dec. 04--- Completed: Dec. 27, Status: I-821 APPROVED May 1st, -I-765 APPROVED on May 8th, EAD Card: May 9th!
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Originally Posted by ErnestoBorunda
Yes, this is accurate. With your DACA work permit and SS number, you are eligible to apply for an FHA home loan. There are several lenders here in Arizona who can help with that. Also, I know of a lender who will lend in 44 states. You still need to meet the same requirements for credit and income, but residency is not a requirement. Message me if you want to know more. Also, when DAPA opens up, they will be eligible too. Spread the word!
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Application Sent: Nov 27, 2012, USCIS Received Date: Nov. 28 Application Notice Date: Nov. 30Bio-metrics Notice Date: Dec. 04--- Completed: Dec. 27, Status: I-821 APPROVED May 1st, -I-765 APPROVED on May 8th, EAD Card: May 9th!
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Originally Posted by Aurora
Thanks for the reply, I began to build my credit 3 months ago, but decided to do it with my ITIN number, do you guys think this is a mistake?
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GA Applicant-Date Sent:10/23/12-Certified-Chicago Lock Box-Date delivered -10/26/12Date of I-797 C Notice of Action: -10/30/12-Biometrics notice and appt -11/13/13-12/06/12 Walk In Biometrics 11/20/12-RFE-02/19/13-received on03/07/13-sent again on03/09/13-2ndRFE04/18/13-delivered05/17/13-Approved-06/05/13Date of EAD received -???
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Originally Posted by danes0301
I'm in GA, and lenders had no problems getting me pre-approved, since my income is not too high, I was approved for $125,000 with a credit score of 745. I had the option of a conventional(5% down) and FHA loan(3.5% down).
I'm close to the closing date. Feels good |
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Originally Posted by 2MoreYears
The problem in CA is that houses here are $450k for a decent location/pad.
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Originally Posted by danes0301
I'm in GA, and lenders had no problems getting me pre-approved, since my income is not too high, I was approved for $125,000 with a credit score of 745. I had the option of a conventional(5% down) and FHA loan(3.5% down).
I'm close to the closing date. Feels good |
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App received 12/12/12Biometrics done on 1/4/13 (No Walk In) Approved 3/19/13Received EAD card on 3/23/13Applied for SSC 3/25/13 Waiting for SSC to apply for DL
Sent to California Center from GA
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