Urgent FHA Loan Change: H-1B, L-1, and EAD Holders

If you're an H-1B, L-1, or EAD holder looking to buy a home with an FHA loan, you need to know about a major rule change coming in May 2025. This new policy could eliminate FHA financing for non-permanent residents, making it harder for many buyers to qualify.

As a real estate agent who works with buyers on temporary work visas, I want to make sure you don’t miss your opportunity to secure homeownership before this change takes effect.

What’s Changing?

Starting May 25, 2025, the Federal Housing Administration (FHA) will no longer allow non-permanent residentsto use FHA loans. Here’s what that means:

• If you’re on an H-1B, L-1, or another temporary visa, you will no longer be eligible for an FHA-backed mortgage.

• If you’re using an EAD (Employment Authorization Document) to qualify for an FHA loan, you’ll also lose access.

• FHA loans assigned after May 25, 2025, will follow this new rule, closing off a key financing option for many buyers.

Who Will Be Affected?

This change impacts anyone who does not have permanent resident status but was planning to buy a home using an FHA loan. This includes:

✔️ H-1B and L-1 visa holders who don’t have a Green Card yet.
✔️ EAD holders who qualify for loans using their employment authorization.
✔️ Anyone considering an FHA loan but not yet under contract.

How Can You Still Qualify?

Here’s the good news: If you act before May 25, 2025, you can still use an FHA loan!

✅ If you get under contract and your lender orders an FHA case number before May 25, you’re protected!
✅ Your loan can still close after the deadline as long as the FHA case number was assigned before the cutoff.

If you’re serious about buying a home, this is your chance to lock in FHA eligibility before it’s gone.

Next Steps – Don’t Miss This Deadline!

If you're on an H-1B, L-1, or EAD and considering buying a home, time is running out to take advantage of FHA financing.

As a real estate agent who understands the challenges non-permanent residents face in the homebuying process, I can help you move quickly to secure a home before the rules change.

📌 Let’s connect now so I can help you find the right home and work with lenders to get your FHA loan approved before the deadline. Don't wait—this opportunity won’t last!