In response to recent updates from USDA and FHA, and to help clarify eligibility for Conventional borrowers, GMFS is updating and refining the Citizenship Requirements in our Guide.

USDA changes are already in effect, as previously announced by the agencies and GMFS.
FHA Changes will take effect with case assignment dates on or after May 25^th.
Conventional changes will take effect for locks on or after April 21^st, Non-Permanent Resident Aliens must have a Visa Class listed in our eligibility grid to qualify for sale to GMFS.

Please review the Government and Conventional Citizenship and Immigration Requirements as well as the Conventional Visa Matrix.

Conventional Citizenship and Immigration Requirements

1. United States Citizens, or
2. Permanent resident aliens, who must provide a current, valid permanent resident card (often referred to as a Green Card, or Form I-551) to be eligible
   1. If the expiration of the current resident card will occur within 3 months of closing, then provide either proof of filing Form I-90 (application to replace permanent resident card) for an extension or provide the updated resident card showing an expiration date > 3 months from closing.
3. Non-Permanent residents aliens as noted on the Non-Permanent Resident Alien Visa Appendix B found in our GMFS guide and shown below for your reference.

Government Citizenship and Immigration Requirements

FHA/VA/USDA -insured financing will be limited to the following citizenship statuses – all borrowers must meet these residency requirements

1. United States Citizens, or
2. Permanent resident aliens, who must provide a current, valid permanent resident card (often referred to as a Green Card, or Form I-551) to be eligible
   1. If the expiration of the current resident card will occur within 3 months of closing, then provide either proof of filing Form I-90 (application to replace permanent resident card) for an extension or provide the updated resident card showing an expiration date > 3 months from closing.

**Non-Permanent resident aliens, foreign nationals, and non-residents are not be eligible for Government-insured financing.

Open PDF to see Conventional Eligibility Matrix 

GMFS Citizenship and Immigration Requirements_042025