As a new federal policy set to restrict immigrant access to home loans looms on the horizon, a Cuban couple has managed to achieve the American dream by purchasing a home in the United States, despite lacking permanent immigration status. The woman has been in the country for four years with an I-220A form—a precarious legal condition not guaranteeing permanent residency—while her partner, who entered with parole three years ago, now holds a green card. Together, they have just closed on their first home.
Univision journalist Javier Díaz shared their story on Facebook, noting, "Did you know you don't need to be a resident to buy a house in the United States? Now, the law is about to change, and a Cuban woman with an I-220A caught the last train." In a video initially posted on TikTok by the young woman, she enthusiastically stated, "When we arrived in this country, we knew one thing for sure: we wanted to buy a house."
She encourages other immigrants to pursue their goals, undeterred by their immigration status: "Negative thoughts won't get us far here."
A Race Against Time
The couple's story gains significance amid impending changes in U.S. housing policy. On May 25, 2025, new restrictions from the government of Donald Trump will take effect, barring immigrants without permanent residency from accessing FHA-insured mortgage loans. This policy will impact individuals with temporary visas, asylum seekers, DACA recipients, and those filing taxes with an ITIN instead of a Social Security Number (SSN). Financial institutions will be required to verify the immigration status of all applicants, thereby shutting out thousands of potential buyers.
However, those who secure an FHA loan case number before May 25 can still apply under the current rules. This was precisely the case for this couple, who managed to fall within this window thanks to a valid work permit and a legitimate financing process. "The bank reviewed their documentation and, having work authorization, they were able to access the loan without needing to be permanent residents," explained the financial advisor who facilitated their transaction.
The Dream Home Under Construction
Although the mortgage is signed, the couple has not fully moved in yet. With their home filled with unopened boxes and furniture awaiting assembly, they are in the midst of remodeling and settling in. "If all goes well, we'll be living here in a week," the woman shared.
Their story has sparked varied reactions on social media, with users expressing surprise, hope, and concern over the impending inability to access these benefits.
An Uncertain Future for Thousands of Immigrants
Since 1934, FHA loans have played a crucial role in facilitating homeownership, especially for low-income families, first-time buyers, and immigrant communities. Their flexibility regarding credit scores and down payments made them particularly appealing.
With the shift in immigration policy, thousands will be excluded, though alternatives like ITIN-based mortgages will persist but with less favorable and accessible conditions. The case of this Cuban couple symbolizes a window that is about to close for many. Their message amidst uncertainty rings loud and clear: "Don't focus on your status, focus on your dream."
Starting May 25, all mortgage applicants must prove their legal permanent residency status through official documentation issued by the U.S. Citizenship and Immigration Services (USCIS).
Deputy Assistant Secretary for Housing, Jeffrey D. Little, emphasizes that this measure ensures FHA mortgage insurance programs are managed in line with the Administration's priorities while fulfilling its mission of facilitating homeownership. "Currently, non-permanent residents are subject to immigration laws that may affect their legal stay in the country," Little warned in a memorandum. "This uncertainty poses a challenge for the FHA, as the ability to meet long-term financial obligations depends on both residency and employment stability," he added.
Key Questions on New Mortgage Restrictions
What changes are being made to mortgage access for immigrants?
Beginning May 25, 2025, new restrictions will prevent immigrants without permanent residency from accessing FHA-insured mortgage loans. This affects those with temporary visas, asylum seekers, DACA recipients, and individuals using an ITIN instead of a SSN.
How did the Cuban couple manage to secure a home loan?
The couple secured an FHA loan case number before the new rules take effect, allowing them to apply under current regulations. They used a valid work permit and legal financing to qualify for the loan.
What alternatives are available for immigrants excluded from FHA loans?
Although FHA loans will become less accessible, alternatives like ITIN-based mortgages will still exist. However, these come with less favorable and accessible conditions.