Sara Gonzales, a Texas journalist and self-styled whistleblower who has been investigating alleged H-1B fraud in the state, said all her unannounced visits to Indians and Indian homes reveal one thing: They all have beautiful homes. Gonzalez said she visited people’s private properties simply because no one at their office addresses answered her questions, but they all lived in nice homes, some even in gated communities. Gonzalez accused the Joe Biden administration of extending home loans to non-permanent residents such as H-1B visa holders, saying that American citizens who do not cheat the system cannot live in a nice $800,000 home. Gonzalez said it is enough for the United States to allow H-1B visa holders to come to the United States to make money; they should not be allowed to obtain loans.In 2025, the U.S. Department of Housing and Urban Development decided to ban non-permanent residents of the United States from obtaining FHA-insured mortgages. In making this decision, HUD noted that the Trump Administration “reaffirmed its commitment to protecting the economic opportunities of U.S. citizens and lawful permanent residents while ensuring that federal benefits, including access to Federal Housing Administration (FHA)-insured mortgages, are preserved for individuals with lawful permanent resident status.”Non-permanent residents are now subject to immigration laws that “may affect their ability to remain in the country legally” — which may actually affect their ability to repay mortgages insured by the Federal Housing Administration (FHA). “The ability to meet long-term financial obligations depends on stable residence and employment,” HUD said.
Can H-1B visa holders get a mortgage in the United States?
Even if HUD policy changes, H-1B visa holders can still obtain mortgage loans in the United States. The policy change applies to FHA loans, which are mortgages insured by the FHA and are primarily designed to make it easier for first-time or low-income homebuyers to obtain home loans. It has lower down payments and looser credit requirements.However, H-1B can obtain conventional loans, jumbo loans and private bank loans. Most H-1B holders choose traditional loans because their salaries are high.
