There’s no easy way to say this: as of May 25, 2025, FHA loans are no longer available to non-permanent residents.
This rule is already in effect. That means if you’re here on a visa, have DACA status, or fall into any other non-permanent category, FHA is off the table moving forward. Even if you’re just trying to do a streamline refi.
So, who is still eligible?
- U.S. Citizens
- Lawful Permanent Residents (Green Card holders)
- Citizens of Micronesia, the Marshall Islands, or Palau
That’s the full list. If you’re not in one of those categories, FHA financing is no longer an option.
What you need to show
If you’re a Green Card holder: You’ll need official documentation from USCIS.
If you’re from one of the three Pacific nations listed above: You’ll need proof of citizenship.
A Social Security card alone won’t be enough. The new standard focuses on permanent residency or specific legal status.
Why this change matters
I’ve had clients in this exact situation. One family in particular had been planning their homebuying journey for over a year. Budget set, credit cleaned up, documents prepped. Then this change hit, and we had to regroup.
There’s nothing worse than seeing someone do everything right and still get sidelined by a policy shift.
What now?
If you’re no longer eligible for FHA but still want to buy or refi, don’t give up. There are other loan options out there. Some are income-based, some are tailored for self-employed borrowers, and others depend on your down payment strength or credit profile.
You just need someone who can walk you through it without wasting time.
Let’s talk through your options and make a new plan. This door may be closed, but there are others we can open together.
Reach out whenever you’re ready.
—Art
