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Are you a dreamer with dreams of having a house of your own in the US? But there might be big obstacles that can come in your way because of being a "dreamer", that is, the ones who came to the USA as a minor without any official authorization. So, the question is can a dreamer ever be a homeowner? Everybody has the right to a place of shelter; a house that will be straight out of their actual dreams. And the one thing that often makes it difficult for you to find a house is the lack of certain immigration documents. However, things can change if you have something called DACA. All you need to do is have some documents at the time of closing the loan you are applying for to finance your home.
DACA recipients can own a house if they want to. The Deferred Action for Childhood Arrivals or DACA is an immigration policy which allows the people who were brought into the USA as children to enjoy a deferred action with respect to deportation and even get a work permit for a period of two years. The DACA mortgage comes from the Dream Act. So, what is the Dream Act? The Dream Act is basically a legislative proposal which will be able to assist these temporary residents in the USA to get a citizenship. If you are a DACA recipient and are looking to purchase a house, you should look for ways to buy the home for your dreams.
How to buy the home loans for dreamers?
While it is quite a relief for the aspiring homeowners to know that they will be able to afford a house in their name, the greater question that you should be asking is how to buy the house? Finding the right home mortgage to finance your dream home can be frustrating. You have to consider both the risks and the benefits of several lenders to come to a conclusion. We, at Clear Lending, can help you with the home loans for dreamers. With our experienced and qualified home loan specialists, we can help you select a wide range of home loans especially made for the DACA recipients. We have professionals who are knowledgeable in this aspect and can guide you through the process and all the legal requirements you need to fulfill. We can help you prepare the documents and decide on the right loan programs which will benefit your dream home.
How to become eligible for DACA home loans?
The DACA home loans for dreamer programs are just what the DACA recipients need. There are certain conditions that you have to fulfill when you are applying for a home loan as a DACA recipient.
1. You must live and works most of the time in the USA.
2. Must have work permit category C-33 current
3. Must have good credit (640+)
Joan:
Thank you so much for all your hard work to make this loan a successful ending. You know this is not my first house, but my family and I are very grateful. I am not a first time home buyer, but we are very excited to be a home owner again. I thank you from the bottom of my heart once more for making this possible. Yes, I will definitely refer anyone who comes to me for the inquiry. I will never forget you Joan and Nathalie for what you have done and how hard you worked to make my dream come true. You are very efficient and professional. I am glad that you are my loan officer. Thank you very much once again.
Sincerely,
Jeffrey Rodriguez
Joan and his team provided me with a flawless and stress-free service, as a first time home buyer. From the first interaction, until closing and thereafter, it has been an absolute pleasure to partner with Clear Lending. Their knowledge and transparency is incredible, and this industry needs more Joan's (and his team) in this world!
First let me start off by saying no, I did not get my loan approved (yet). No-fault but my own. However, I highly recommend this company. They are knowledgeable, professional, and courteous to whatever your situation is. They stay in contact with you and clearly explain every step of the process so you never feel like you are in the dark. I would even say they go out of their way to make sure you completely understand everything and are comfortable with all the information being provided to you. Joan and Jorge, you were wonderful and after I get a few hiccups worked out, I will be back to try again. :)
