c*****1
发帖数: 1826 | 1 The lender requires to have an EAD. I never heard of. Anyone know how do it? |
H******7
发帖数: 34403 | 2 No. just give him your I-797 photocopy and highlight the sentence on 797A "
this is the work authorization...blah blah" |
b*d
发帖数: 9308 | 3 That does't make sense. Usually, EAD will only make things complicated. H1b
will be enough to get your loan approved.
it?
【在 c*****1 的大作中提到】
: The lender requires to have an EAD. I never heard of. Anyone know how do it?
|
c*****1
发帖数: 1826 | 4 This agent insisted to need EAD because she got the following sentences. I
don't know how to change her mind. I even asked my lawyer to send her email
to explain it. Looks like I have to change lender. Just waste my credit
score pulled by her.
FHA requires an EAD issued by the USCIS (US Customs and Immigration Service)
. The H1B is issued by the Immigration and Naturalization Service. While the
H1B enables the borrower to work here, it ONLY allows him to work for the
company for whom the H1B was |
d******n
发帖数: 2712 | 5 Wells Fargo都不收EAD的borrower。 |
b*d
发帖数: 9308 | 6 Your agent seems pretty stubborn. Please try this and see if it works:
Get a letter from your employer stating that you currently have a valid work
permit.
email
Service)
the
H1B
【在 c*****1 的大作中提到】
: This agent insisted to need EAD because she got the following sentences. I
: don't know how to change her mind. I even asked my lawyer to send her email
: to explain it. Looks like I have to change lender. Just waste my credit
: score pulled by her.
: FHA requires an EAD issued by the USCIS (US Customs and Immigration Service)
: . The H1B is issued by the Immigration and Naturalization Service. While the
: H1B enables the borrower to work here, it ONLY allows him to work for the
: company for whom the H1B was
|
c*****1
发帖数: 1826 | 7 No way. She only ask EAD and said no other agent can do it as well based on
the rule. Right now I had my lawyer to study the rule. The rule only said
need EAD but mention H1B can not.
See the following link, anyone has good idea to argu with those agency?
http://admin.gatewaybranch.com/training/guidelines/html/index.html?3__citizenship_and_immigration.htm
work
【在 b*d 的大作中提到】
: Your agent seems pretty stubborn. Please try this and see if it works:
: Get a letter from your employer stating that you currently have a valid work
: permit.
:
: email
: Service)
: the
: H1B
|
A*F
发帖数: 2272 | 8 EAD和H1都是USCIS发的。INS早没有了
email
Service)
the
H1B
【在 c*****1 的大作中提到】
: This agent insisted to need EAD because she got the following sentences. I
: don't know how to change her mind. I even asked my lawyer to send her email
: to explain it. Looks like I have to change lender. Just waste my credit
: score pulled by her.
: FHA requires an EAD issued by the USCIS (US Customs and Immigration Service)
: . The H1B is issued by the Immigration and Naturalization Service. While the
: H1B enables the borrower to work here, it ONLY allows him to work for the
: company for whom the H1B was
|
H******7
发帖数: 34403 | |
H******7
发帖数: 34403 | 10 所有的loan最后都会卖给两房。所以这些银行都是对照两房的guideline来发放贷款的
。两房对持签证的贷款人资格有详细的规定，包括H1B的工作许可。这些lender显然业
务不熟，找错了条款。 |
|
|
c*****y
发帖数: 562 | 11 哈哈，这群人
刚从Wells Fargo办贷款，underwriter坚持要H1B。我只有EAD，说是不行。最后我在网
上找到Wells Fargo有给EAD办贷款的先例，花钱从移民律师那儿拿了一封身份说明信，
这才算过。 |
c*****1
发帖数: 1826 | 12 你在哪里找的先例？pm.
【在 c*****y 的大作中提到】
: 哈哈，这群人
: 刚从Wells Fargo办贷款，underwriter坚持要H1B。我只有EAD，说是不行。最后我在网
: 上找到Wells Fargo有给EAD办贷款的先例，花钱从移民律师那儿拿了一封身份说明信，
: 这才算过。
|
c*****y
发帖数: 562 | 13 http://www.trackitt.com/usa-discussion-forums/i485-eb/443348179/buying-a-home-on-aos-aed
"I re-financed my mortgage with Wells Fargo with a copy of my I-797C Notice
of Action (I485), my Bank Statements. I signed "Borrower's Certification/
Verification Authorization/Financial Privacy Notice". My EAD is valid until
08/2011. I am only in AOS. If I were you, I would ask to these people (in a
letter) the reasons not to be approved. You must receive a letter no a phone
call. You are legal in USA. You have a right to be approved." |
c*****y
发帖数: 562 | |
n****9
发帖数: 82 | 15 Not sure EAD. But Wells Fargo accepts H1B Visa.
【在 d******n 的大作中提到】
: Wells Fargo都不收EAD的borrower。
|
c*****1
发帖数: 1826 | 16 No use. Basically someone wrote the rule is ignorant of immigrant law
according to my lawyer.
Here is what I got from the agent again:
Thank you for the information. We HAVE inquired with FHA as your attorney
suggested below and the information we have is from FHA requiring the EAD
card.
Here is a link for FHA: http://portal.hud.gov/portal/page/portal/HUD/federal_housing_administration
Under the above link I found:
http://www.fhaoutreach.gov/FHAHandbook/prod/infomap.asp?address=4155-1.4.A.3.d and this states “EAD Required as Evidence of Work Status”
Your definite answer is under: section 4155.1.4.A.3.c Non-Permanent Resident
Aliens
Again, here is the information from when one of the underwriters called FHA
directly:
When I called the FHA, I was told that they would not accept an H1B visa
because the language on that visa states that the borrower must re-apply if
his/her employment changes. FHA’s interpretation of this is that if
something happens to the job that enabled her to get an H1B (this visa is
applied for by the person’s employer), he/she is no longer a legal resident
. Obviously, this could happen through no fault of the borrower—layoff,
company closure, etc). The language is located in the body of the visa. |
c*****1
发帖数: 1826 | 17 Here is my lawyer reply:
I'm sorry, but if those are FHA rules there's nothing we can do. It
doesn't make any sense, since if a person had an EAD based on a pending
I-485 and then the I-485 were denied, say, 6 months down the road, that
would also terminate the person's authorization to even be in the US, much
less work in the US. Also, the spouses of L-1 visa holders can get EADs but
then if the L-1 spouse's job were to terminate, the L-2 spouse's status
would also terminate and he/she would no longer be eligible to stay here or
to work. So the Handbook guideline makes no sense and was obviously written
by someone who was quite ignorant of immigration law.
You might try asking to complain to somebody at a higher level either at the
mortgage company or at FHA, presenting the info that I sent you and the info
above, but there isn't anything we can do to get you and EAD until your
priority date becomes current (unless of course your spouse has an L-1 visa,
then you could get an L-2 visa and apply for an EAD) |
J****u
发帖数: 849 | 18 你的Lawer是不是房子Close的那个Attoney呀？ 你什么时候雇的律师阿？
but
or
written
【在 c*****1 的大作中提到】
: Here is my lawyer reply:
: I'm sorry, but if those are FHA rules there's nothing we can do. It
: doesn't make any sense, since if a person had an EAD based on a pending
: I-485 and then the I-485 were denied, say, 6 months down the road, that
: would also terminate the person's authorization to even be in the US, much
: less work in the US. Also, the spouses of L-1 visa holders can get EADs but
: then if the L-1 spouse's job were to terminate, the L-2 spouse's status
: would also terminate and he/she would no longer be eligible to stay here or
: to work. So the Handbook guideline makes no sense and was obviously written
: by someone who was quite ignorant of immigration law.
|
c*****1
发帖数: 1826 | 19 my company immigrant lawyer. |
m*****k
发帖数: 1864 | 20 换个人，这些人不懂的。
我当时也遇上一个，说了半天，态度还很强硬，我放弃了，立马打电话换人。 |
|
|
m*****k
发帖数: 1864 | |
c*****1
发帖数: 1826 | 22 If it is at the begining, I will change it right way. But my credit is
pulled by her and good interest lock is wasted as well. Sigh. Looks like
find chinese agent is always better. Don't find those from internet ads. |
b*d
发帖数: 9308 | 23 Don't worry about the interest rate. It is still very low. You haven't
missed the opportunity yet.
【在 c*****1 的大作中提到】
: If it is at the begining, I will change it right way. But my credit is
: pulled by her and good interest lock is wasted as well. Sigh. Looks like
: find chinese agent is always better. Don't find those from internet ads.
|
c*****1
发帖数: 1826 | 24 mine is different. I used FHA. From this week, the mortgage insurance is
increased a lot. So I may have to give up refi.
【在 b*d 的大作中提到】
: Don't worry about the interest rate. It is still very low. You haven't
: missed the opportunity yet.
|
h********n
发帖数: 1671 | 25 这帮broker显然对业务不熟，只会死抠条款，赶上了也没办法。经常不同的broker的理
解不一样，最好别一棵树上吊死。 |
k*******z
发帖数: 2368 | 26 换吧,多查一次信用记录也没什么大不了的.除非你是刚好720的边缘. |
