DACA Loans
"Your American dream starts here."
DACA (Deferred Action for Childhood Arrivals) recipients with valid work authorization can qualify for home loans. FHA and Non-QM options available.
10-20%
Min Down
660+
Min Credit
$1.5M
Max Loan
Is This Loan Right for You?
This Loan is Perfect If You...
- DACA recipient with valid EAD
- Have Social Security Number (issued with DACA)
- Employed with documented income
- Buying a primary residence
- 660+ credit score (or 580+ for FHA)
This Might NOT Be Right If...
- EAD expired without renewal pending
- No current work authorization
- Cannot document income
- Looking for investment property only
DACA Loans Benefits
Everything you need to know about your benefits
Dreamers Welcome
We specialize in helping DACA recipients achieve homeownership
FHA Available
Access low down payment FHA loans with just 3.5% down
Non-QM Flexibility
Alternative documentation options when needed
SSN Accepted
Your Social Security Number issued with DACA works
Up to $1.5M
Substantial loan amounts available
Expert Guidance
Specialists who understand DACA-specific requirements
How It Works
Your path to homeownership in just a few simple steps
Verify Your EAD
Confirm your Employment Authorization Document is valid
Choose Your Path
Select FHA (lower down payment) or Non-QM (more flexibility)
Document Your Income
Provide tax returns, pay stubs, or bank statements
Close on Your Home
Complete the purchase and achieve your dream
Verify Your EAD
Confirm your Employment Authorization Document is valid
Choose Your Path
Select FHA (lower down payment) or Non-QM (more flexibility)
Document Your Income
Provide tax returns, pay stubs, or bank statements
Close on Your Home
Complete the purchase and achieve your dream
What You Will Need
Documents required for DACA loan approval
Employment Authorization
- Valid Employment Authorization Document (EAD)
- EAD renewal receipt (if pending)
- I-797C Notice of Action (if applicable)
Your EAD must be valid at closing
Income Verification
- 2 years tax returns
- Recent pay stubs (30 days)
- W-2s from past 2 years
Bank statements may substitute for Non-QM
Credit & Identity
- Social Security Number
- Credit report (traditional or alternative)
- Government-issued ID
SSN issued with DACA status
EAD Expiration Approaching?
If your EAD expires before closing, you will need proof of renewal application. We can work with pending renewals in most cases. Contact us to discuss your specific situation.
Frequently Asked Questions
Common questions about DACA Loans
Last updated:
Can DACA recipients qualify for mortgages?
Yes! DACA recipients with valid Employment Authorization Documents (EAD) can qualify for FHA loans and Non-QM mortgages. Your DACA status does not prevent homeownership.
What is the minimum down payment for DACA borrowers?
With FHA loans, you can put as little as 3.5% down. Non-QM options typically require 10-20% down payment but offer more flexibility in other areas.
Do I need a Social Security Number?
Yes, you will need the SSN that was issued to you along with your DACA status. This is standard for all DACA recipients with work authorization.
- If you have filed for renewal and have your receipt notice, we can often work with pending renewals. The key is ensuring valid work authorization at closing.
- Yes, especially with Non-QM options. If you do not have traditional credit, we can use rent payments, utility bills, phone payments, and insurance premiums to establish creditworthiness.
- FHA is great if you want the lowest down payment (3.5%) and have a primary residence goal. Non-QM offers more flexibility with income documentation and property types. We will help you choose.
Get Rate Drop Alerts
We'll notify you instantly when rates drop to your target.
DACA Dreamers Welcome
Get pre-qualified in 15 minutes
Or call us directly: (757) 558-2603