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How to Get a Mortgage in Florida as a DACA Recipient

Given the legal and financial requirements, getting a mortgage in Florida as a DACA recipient poses unique challenges. DACA recipients need to understand agency-specific guidelines to maximize their approval chances.

In Florida, DACA recipients can own a home if they understand eligibility criteria and prepare accordingly.

Here's a guide to understanding the path to homeownership for DACA recipients.

Can DACA Recipients Buy a House in Florida?

Deferred Action for Childhood Arrivals (DACA) is a United States immigration policy that allows individuals brought to the country as children and meets several guidelines to receive a renewable two-year period of deferred action from deportation and become eligible for a work permit.

For DACA recipients, obtaining a mortgage can be challenging due to their unique legal status; however, it's not impossible.

Several agencies, including Fannie Mae, the Federal Housing Administration (FHA), and the United States Department of Agriculture (USDA), have specific guidelines that make it possible for DACA recipients to apply for and secure a mortgage.

These agencies recognize the legal presence of DACA recipients and provide avenues for them to achieve homeownership, though each has its own set of requirements and documentation needs.

An illustration emphasizing the opportunity for homeownership among DACA recipients

How Do Different Agencies Cater to DACA Recipients Seeking Mortgages?

Fannie Mae

Fannie Mae requires DACA recipients to have a Social Security Number (SSN), an Individual Taxpayer Identification Number (ITIN), and verified legal status.

They emphasize the importance of continuity of income and provide specific guidelines on credit, income, and asset requirements for DACA recipients, facilitating a smoother application process.

Freddie Mac

Freddie Mac clarifies eligibility and documentation for lawful residency, aiding DACA recipients in understanding what is needed for their mortgage applications.

This guidance helps ensure that applications are completed accurately and efficiently.


The Federal Housing Administration (FHA) outlines guidelines for non-permanent resident aliens, including DACA recipients.

These guidelines include having a principal residence in the U.S., a valid SSN, and work eligibility documentation, offering a clear path to mortgage eligibility for DACA recipients.


The United States Department of Agriculture (USDA) has introduced temporary waivers for non-U.S. citizens with valid SSN and work authorization, including a specific approach for DACA recipients.

The SAVE program is utilized for eligibility verification, showing USDA's effort to support homeownership among DACA recipients.

What Documentation Do DACA Recipients Need for Their Mortgage Application?

For DACA recipients preparing their mortgage application, the following documentation is essential:

  • Social Security Number (SSN): Needed for credit checks and identification.

  • Employment Authorization Document (EAD): Proves work eligibility in the U.S.

  • Tax Returns: Recent tax documents to verify income.

  • Employment Verification: Current employment letters or pay stubs.

  • Credit History: Reports from major credit bureaus.

  • Bank Statements: To demonstrate savings and financial health.

  • Asset Documentation: Any additional assets that can support your application.

A strong credit history is crucial for mortgage approval. DACA recipients should either work on building a positive credit history through credit cards, loans, and timely payments or ensure their existing credit activities are well-documented.

Having a clear understanding and documentation of your income and assets is vital. This includes providing detailed records of your income streams and any assets that can support your mortgage application, showcasing your financial stability and ability to fulfill mortgage commitments.

How to Choose the Right Agency and Mortgage Type for DACA Recipients?

When selecting the right mortgage type and agency, DACA recipients should thoroughly compare the mortgage products available to them.

Agencies like Fannie Mae, FHA, and USDA each offer unique mortgage products designed to accommodate different financial situations and homebuying objectives.

  • Fannie Mae and Freddie Mac: Offers conventional loans with competitive interest rates and various down payment options, suitable for those with strong credit histories.

  • FHA: Known for its lower down payment requirements and more lenient credit criteria, it is an excellent option for first-time homebuyers or those with less-than-perfect credit.

  • USDA: Provides loans with no down payment for eligible rural and suburban homebuyers, focusing on those with moderate to low income.

Each loan type is designed to cater to different types of borrowers.

Conventional loans offered by Fannie Mae are ideal for DACA recipients with a strong credit history and stable income. These loans often require higher down payments but offer competitive interest rates and flexible terms. If you're financially stable and can afford a significant down payment, a Fannie Mae loan might best fit you.

FHA loans are an excellent option for first-time homebuyers or individuals with less-than-perfect credit. They require lower down payments and are more forgiving of lower credit scores.

Similarly, USDA loans offer no down payment options for buying homes in rural or suburban areas, targeting moderate to low-income individuals.

If you're looking for more lenient loan requirements or financial assistance programs, FHA or USDA loans could provide the support you need to achieve homeownership.

Do All Mortgage Lenders Offer DACA Loans?

Not all mortgage lenders cater to DACA recipients due to the unique challenges associated with their immigration status.

However, finding a lender that explicitly supports DACA individuals with tailored mortgage programs can make a significant difference.

Such lenders, experienced in navigating the complexities DACA recipients face, offer specialized assistance to ensure a smooth mortgage application process.

MakeFloridaYourHome stands out by providing dedicated support to DACA recipients, ensuring fast mortgage approvals and closings.

We focus on making homeownership accessible with competitive rates and affordable payments, emphasizing our commitment to helping DACA recipients in Florida achieve their dreams of owning a home.

Frequently Asked Questions for DACA Homebuyers

Can DACA Recipients Buy a House in Florida?

Yes, DACA recipients can buy a house in Florida if they can prove they're lawful, non-permanent residents of the U.S. This involves showing documentation like an Employment Authorization Document (EAD) and a Social Security Number (SSN).

Are DACA Recipients Eligible for FHA Loans?

DACA recipients are eligible for FHA loans as long as they meet the standard criteria, including having a valid SSN, EAD, and proof of employment in the U.S. FHA loans are particularly appealing due to their lower down payment requirements.

What Documentation Do DACA Recipients Need for a Mortgage?

DACA recipients need to provide specific documentation, including their SSN, EAD, tax returns, and proof of employment, among other documents, to apply for a mortgage.

Can DACA Recipients Get Conventional Loans?

Yes, DACA recipients can qualify for conventional loans with agencies like Fannie Mae, provided they meet the necessary eligibility requirements, such as having a good credit score and stable income.

Do All Mortgage Lenders Offer Loans to DACA Recipients?

Not all lenders offer mortgages to DACA recipients due to the unique challenges associated with their immigration status. It's important to find lenders that explicitly advertise DACA-friendly mortgage loans.

How Can DACA Recipients Improve Their Chances of Getting Approved for a Mortgage?

DACA recipients can improve their mortgage approval chances by building a strong credit history, saving for a down payment, and maintaining stable employment.

What Are the Challenges DACA Recipients Face When Applying for a Mortgage?

DACA recipients may face challenges such as finding DACA-friendly lenders and meeting stricter documentation requirements due to their immigration status.

Can DACA Recipients Use Down Payment Assistance Programs?

Yes, some down payment assistance programs are available to DACA recipients, depending on the lender and the specific program criteria.

How Does Being a DACA Recipient Affect Mortgage Rates?

Being a DACA recipient does not directly affect mortgage rates. Rates are determined by factors like credit score, down payment, and loan type.

What Steps Should DACA Recipients Take Before Applying for a Mortgage?

Before applying for a mortgage, DACA recipients should check their credit score, gather necessary documentation, and research DACA-friendly lenders and mortgage options.

Bottom Line

By understanding the specific requirements of different mortgage agencies, gathering the necessary documentation, and improving your financial standing, you can significantly enhance your chances of mortgage approval.

Remember, not all lenders are DACA-friendly, so it's crucial to choose a lender that understands your unique situation and offers tailored solutions to meet your needs.

At MakeFloridaYourHome, we specialize in helping DACA recipients find their path to homeownership. With a deep understanding of your challenges and a comprehensive suite of mortgage options designed for you, we're here to guide you every step of the way.

With over 50 years of mortgage industry experience, we are here to help you achieve the American dream of owning a home. We strive to provide the best education before, during, and after you buy a home. Our advice is based on experience with Phil Ganz and Team closing over One billion dollars and helping countless families.

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