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Created at September 17, 2020

Best Immigrant Friendly Mortgage Lenders

Finance
loans

Mortgage lenders or simply home loan providers that are immigrant-friendly can easily be found in a variety of places; however, you just need to know where to look for them. Some lenders offer better rates compared to others, which is why you might want to do some proper research beforehand. Here are some lenders where you can find some immigrant-friendly mortgages.

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MLD Mortgage Lending Direct
MLD Mortgage Lending Direct
4.8
(5)
250 Greenwich St Fl. 36, New York
Rate
Best for self employed Immigrants
SunTrust Robinson Humphrey
SunTrust Robinson Humphrey
4.8
(4)
711 5th Ave, New York
Rate
Good rates.
Bank of America (with Drive-thru ATM)
Bank of America (with Drive-thru ATM)
4.8
(4)
2 Triangle Center, Yorktown Heights
Rate
you might be eligible for a BofA auto loan if you live in the US as a US citizen, resident alien or non-resident alien.
Mortgage Plus LLC
Mortgage Plus LLC
5.0
(2)
5095 Buford Hwy NE H, Doraville
Rate
Quicken Loans
Quicken Loans
5.0
(2)
Scranton, PA 18503
Rate
Quicken Loans is a well-known mortgage lender with large online and TV advertising campaigns touting the benefits of its premier Rocket Mortgage product. Based on 2019 data, Quicken Loans is the largest loan originator by volume with 541,000 loans originated. Quicken Loans is the biggest mortgage lender for a reason. It has a nationwide footprint and makes applying for a mortgage online very easy on the borrower. It offers competitive rates as well, which helps solidify its position as the best overall mortgage lender. The online lending application is particularly attractive, as it does not involve the same hassles many traditional mortgage lenders require, like lots of physical paper and typing in a list of all of your accounts. With Quicken Loans, much of that happens automatically when you connect your bank accounts. The application process is quick and simple, which is why so many people use it every year.
loanDepot
loanDepot
5.0
(2)
7 Hollyhock Rd #2, Wilton
Rate
LoanDepot makes the refinance process smooth and simple. The company is so popular for refinancing that it has funded more than $100 billion for mortgage loans and refinancing. LoanDepot offers the distinct advantage of waiving refinance fees and reimbursing appraisal fees for all future refinances after your first refinance with loanDepot.4 LoanDepot's lending officers abide by an in-house "no steering" policy, which means they don't have any incentive to push you toward one loan over another. So, when you refinance a loan, you're likely to have refinance options that work in your favor. Whichever options you receive, be sure to look over the terms of the loan. Know what the fees are and what you'll be paying per month. Make sure the lower monthly payments you'll get (in theory) are worth extending your mortgage.
New American Funding
New American Funding
5.0
(2)
160 N Pointe Blvd STE 201, Lancaster
Rate
New American Funding looks at every application manually before approving or denying a loan. Some online lenders approve or deny instantly based on computer algorithms, making it hard to get a loan with bad credit. This is not so at New American Funding. Because each loan is manually reviewed, they may look at other factors such as good savings and a high income. Regardless of your finances, however, they do enforce a minimum 580 credit score for approval. Some lenders will offer a loan with a score down to 550 or 500 in some cases, but you probably won’t get the same quality experience as with New American Funding. Once you're approved, paying your mortgage on-time every month should help improve your credit score. Over time, you may even build a credit score high enough to refinance at a lower interest rate. But for now, New American Funding is a great place for low credit applicants to get started.
Reali
Reali
5.0
(2)
777 Mariners Island Blvd, San Mateo
Rate
Unlike the other lenders on this list, Reali offers buying, selling, and lending service. So, you can do your home search from your couch using Reali's app. The company connects you with local real estate agents in the area you want to buy. You can visit the home in-person or do a virtual tour; you could buy a home without ever meeting your agent or seeing the house. And because Reali offers mortgages in addition to home listings, you could get your mortgage and buy your home all with one company. Reali's agents don't take a commission for helping you buy your even though the seller may set aside a commission for the buying agent. Rather, Reali sends the commission to your bank account in the form of a non-taxable rebate. The average rebate is $12,000.5
Alterra Home Loans
Alterra Home Loans
4.7
(3)
3 2nd Street Ste. 302 Harborside, Jersey City
Rate
Best for immigrants with ITIN also.
Rocket Mortgage
Rocket Mortgage
4.7
(3)
https://www.rocketmortgage.com
Rate
Good rates for everyone