Mortgage for family with different visas

Amazon oebtb633$
Aug 10 7 Comments

I’m on H1 visa and my spouse is on F1 OPT. Anyone here had similar situation while applying for mortgage? Is that going to be a problem? I read somewhere that F1 visa isn’t considered for conventional loans. Does it mean that only my income will be used to make the decision?

comments

Want to comment? LOG IN or SIGN UP
TOP 7 Comments
  • Wellington Management hmm19
    I doubt it. They do ask for W2/payslip to prove income.
    Aug 10 1
    • Amazon oebtb633$
      OP
      Yeah, we have w2 and paystubs.
      Aug 10
  • Uber epKU51
    Technically you should move your spouse over to a H-4. On a H1-B, you intend to immigrate and in a F-1, she doesn't. Might be problematic if you guys don't plan on divorcing. Ask your immigration lawyer.
    Aug 10 3
    • Amazon oebtb633$
      OP
      With current uncertainty on H4 EAD I think it’s better to stay on F1 for her. My immigration lawyer knows about this, in fact he himself suggested me to change her status from H4 to F1.
      Aug 10
    • Uber epKU51
      Sounds good. Just don't enter the country together.
      Aug 10
    • Amazon oebtb633$
      OP
      Already entered together multiple times lol. Even attended the visa interview and got F1 stamped.
      It isn’t illegal or against any rules. Each visa has it’s own purpose. Two individuals with different visas married to each other doesn’t imply a violation!
      Aug 10
  • Kohl’s sting12
    The bank should not ask for both of your paystubs unless both of your names are in the mortgage.
    Aug 10 0