Case 1: Owner-occupied Purchase with EB-5 Cash Loan

An International Student Gets a New House | An EB-5 Backed Cash Loan

Client’s Country of Origin: India
Current Visa Status: Approved EB-5 I-526 Petition
Loan Purpose: Purchase of Townhouse for Self Use
Location: Austin, Texas
Amount Sanctioned: $250,000
Interest Rate: 7.5% Interest Rate (5-Year Term)
Collateral to Lender: Pledge of EB-5 Capital Upon Return + Personal Guarantee

The Client’s Story:​​

As an F-1 international student, our client is living in the US but had insufficient credit history to be approved for a standard, qualified US mortgage. He had already filed an EB-5 application and has his I-526 approval.

As he approached graduation, he knew he wanted to move to Austin, Texas, and found a property worth $328,000 to live in, but found out quickly that to qualify for an owner- occupied mortgage, you need a minimum of 12 months of strong credit history.

International Investors Mortgage was able to facilitate an EB-5 investment backed loan to the client for 50% of his $500,000 EB5 investment value. The documentation was completed quickly and he had a check to help cover his home purchase in just 14 days. He purchased the house and moved in immediately, as he awaits his adjustment of status.

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