hungryhorace

Yes, of course I do.

Right! And this is the point.

The checks are performed by you supplying evidence to prove your status. It matters not one jot what is listed at the social security office! That is a complete lie which PF should stop propagating.

Pulaski

You apparently don't understand what "check" means either, banks can't take loan applications at face value, and you can't "check" one thing in isolation - you obtain information from one source, e.g. a loan application, then you check it against another data source - e.g. one of the data feeds that banks have access to to verify bank customer data and loan applications.

mrken30

The loan application(URLA) https://www.fanniemae.com/content/gu...rm/1003rev.pdf asks multiple questions one being LPR status. So of course it is on the loan application because 99% of mortages are either Freddie or Fannie mortgages. It has nothing to do with checks. If you lie on your application about anything, including pending law suits it may be a problem. Does that include class action law suits?

Also you need to inform DMV if you change to LPR status.

Dominic0012

I know this is going to sound strange but with our mortgage I chose not to be an applicant as this would be detrimental. You would think that 2 incomes would be better than one.

I would try to get a mortgage with just your wife as a sole applicant and when you have a longer track record of having a longer payment history then refinance the loan to your joint names.

the trouble is also with her limited and your limited credit history is the lenders have less history to analyse.

your best option to actually get a mortgage is to go down the manual underwriting route. you may pay a higher interest rate but again you could refinance out after a few years. This is a risk as the interest rates can change to your disadvantage.

Donibristle

This is quite common on loan applications if someone's limited credit outweighs their income contribution on the application. In community property states you *generally* have to take title in both names regardless of who is on the loan anyway (your mileage may vary).