Buying a Home With a Work Permit in Houston: Yes, It’s Possible
Hello Houston! I’m Iris. If you have a work permit (EAD) and you’ve been told you can’t buy a home because you don’t have a green card, I need you to hear this:
That is one of the biggest myths in real estate.
Thousands of families with EADs buy homes every year in Houston and across the U.S.
So what do lenders actually care about?
The Key: Continuity and Stability
Lenders aren’t judging your immigration status—they’re evaluating risk.
They want to see you can pay the mortgage long-term, which means proving stability.
What Stability Looks Like
Stable work history: typically around 2 years in the same industry (not necessarily the same employer)
EAD renewal history: renewals show continuity (it builds confidence)
Bonus: if you have a pathway to residency in process, it can help (not always required)
Real Requirements to Buy With an EAD
Here are the practical requirements most lenders will review:
Valid Social Security Number (SSN): EAD mortgages usually require SSN (different from ITIN loans)
Credit history: generally ~620+ is a common starting point (varies by program)
Down payment: FHA can be as low as 3.5%, conventional often 5–20% depending on profile
Income proof: W-2s, pay stubs, and tax returns are typically required
FHA vs Conventional: Which Is Better?
FHA Loan
Often the best option for many EAD buyers because it’s more flexible with credit and debt ratios.
Conventional Loan
If your credit is stronger, conventional can be great because PMI can be removed over time (unlike FHA mortgage insurance).
Case Study: The Pérez Family
The Pérez family came to Houston on a work visa. Multiple banks told them “no green card = no home.”
The truth? Those banks simply didn’t have experience.
I connected them with a loan officer who understands immigrant buyers, and they became homeowners shortly after.
Your Work Permit Is a Key—Not a Barrier
Your EAD proves you’re here legally, working, and building your future.
Don’t let misinformation delay your dream. With the right guidance, it’s absolutely possible.
Schedule My Free EAD Buyer Consultation
