The same terms as citizens
FHA treats lawful permanent residents the way it treats US citizens. The home must be your main residence.
FHA loans
Weehawken, Hudson County
Home loans for permanent residents and visa holders in Weehawken, NJ
For Weehawken buyers who hold permanent residence or work here on a visa: which loans can fit, what happens when a visa expires soon, and the papers a lender reads. We do not give immigration advice. Fidelity Residential is a direct, licensed mortgage lender with a New Jersey office on Route 36 in West Long Branch, in Monmouth County, and we lend across New Jersey.
- Direct, licensed mortgage lender
- NMLS #103098
- Equal Housing Lender
Which describes you?
Pick the closest, or call and talk it through.
Fidelity Residential · NMLS #103098 · Equal Housing Lender
Weehawken housing
Renters, newer buildings and residents born abroad
Weehawken has about 17,300 residents and about 9,600 homes in the Census Bureau’s American Community Survey for 2020 to 2024. Renters occupy an estimated 69.6 percent of the occupied homes.
An estimated 40.4 percent of residents, about 7,000 people, were born outside the United States, and about 2,800 of them arrived in 2010 or later. The median value of owner-occupied homes is about $889,000, an estimate with a wide margin.
Fidelity Residential is a direct mortgage lender licensed in New Jersey under a Residential Mortgage Lender License. Our office is at 121 NJ-36, Suite 230, West Long Branch, in Monmouth County; we do not have an office in Weehawken, and we lend across New Jersey.
The figures
- Large buildings: an estimated 48.2 percent of homes are in buildings of 20 units or more
- Built in the 2010s: an estimated 23.7 percent of homes
- Owner-occupied homes: about 2,600, an estimated 63.1 percent of them with a mortgage
- Jobs outside New Jersey: about 3,700 workers, an estimated 33.8 percent, work outside New Jersey
Source: US Census Bureau, American Community Survey 5-year estimates, 2020 to 2024. Estimates, not counts.
Permanent residents
Permanent residence: the usual loans
Holding permanent residence puts you in the same conversation as any other buyer. The loan is decided by your credit, income, savings and the home.
Often the simpler path
With permanent residence, or a visa with plenty of time left, and income that documents cleanly, a conventional loan may be the simpler fit.
Buying a homeLarger loans too
Permanent residents and most work-visa holders can use the regular jumbo programs for a loan above the conforming limit.
Jumbo loansLater on, a home equity line or a second mortgage is open to permanent residents and visa holders in some programs too.
Work visas
A work visa that expires soon
Many people working here on a visa count the months to the expiration date and decide not to apply. The date on its own does not rule you out.
Two questions. Some programs look at whether your visa type is on their accepted list and, if it expires soon, whether you can show that the renewal is properly underway. When both line up, the date becomes a detail to document rather than a wall.
Two ways to show it. Evidence that the extension has been filed with US Citizenship and Immigration Services, with the receipt for the fee; or a letter from your employer confirming continued employment and its sponsorship of the renewal. One of the two does not involve your employer at all. A renewal that is filed and documented reads very differently from one that is merely planned.
Firm limits. It is a narrow path, and each program sets its own limits, so ask about them on the first call. Full documentation non-QM programs also consider borrowers with an eligible visa. See a visa near expiration and your loan.
Be ready
The papers a lender reads
Everyone on the loan shows identification and, if not a US citizen, proof of residency status or a visa. The rest of the file is the same as anyone else’s: income, savings and the home.
Money that arrives from an account abroad is a large deposit like any other: keep the paper trail that traces it to its source.
If you file US taxes with an ITIN instead of a Social Security number, a separate kind of program applies: see ITIN mortgages.
What to gather
- Identity: photo identification for everyone on the loan
- Status: proof of permanent residence, or your visa
- A renewal: the extension filing and fee receipt, or your employer’s letter
- Income: pay stubs and W-2s, or tax returns if you are self-employed
- Savings: bank statements, every page, with any large deposit traced
Not legal or immigration advice. Questions about your status belong with a licensed immigration attorney, and tax questions with your CPA or tax adviser.
Questions
Questions from Weehawken buyers
Do you lend in Weehawken?
Yes. Fidelity Residential is a dba of PFN Lending Group, Inc. (NMLS #103098), which holds a New Jersey Residential Mortgage Lender License, and we lend across New Jersey. You can check the licence on NMLS Consumer Access (opens in a new tab).
Do you have an office in Weehawken?
No. Our office is at 121 NJ-36, Suite 230, West Long Branch, NJ 07764, in Monmouth County, and we lend across New Jersey. Call 732-686-9999 to talk with a licensed loan officer.
Can I get a mortgage if my work visa expires soon?
An upcoming expiration date does not rule you out on its own. Some programs look at whether your visa type is accepted and whether the renewal is underway. Terms vary by program and by file.
How do I show that my renewal is underway?
With evidence that the extension has been filed, and the fee receipt, or with a letter from your employer confirming continued employment and sponsorship. Gather them early.
Can a permanent resident use an FHA loan?
Yes. FHA treats lawful permanent residents the same way as US citizens, for a home you will live in.
Can you advise me on my immigration status?
No. We do not give legal or immigration advice. Status questions belong with a licensed immigration attorney.
Talk with a loan officer near you
Get a quote online, or call us and talk it through with a licensed loan officer.
What happens next
- Tell us about your loan. A few quick questions about the property and the loan you want. No credit check to start and no obligation.
- A licensed loan officer reviews your answers and follows up with you, usually within one business day.
- This is a request for a quote, not a loan application and not a commitment to lend.
This page is general information, not a commitment to lend. Programs, terms and eligibility depend on credit, income, property and underwriting review and are subject to change without notice.
Reviewed by Robert Shamie, CEO, NMLS #241428 · Last reviewed:
Fidelity Residential (PFN Lending Group, Inc., NMLS #103098) is a direct mortgage lender licensed in 40 states and the District of Columbia, with 26 years in business.