Here’s the skinny:

1. Any U.S. Citizen with a valid U.S. Social Security Number

2. Any Permanent Resident Aliens

3. Any Non-Permanent Resident Aliens, provided they:

• Have a valid SSN
• Are eligible to work in the U.S.
• Occupy the property as a principal residence
• If temporary residency status will expire within one year and a prior history of residency status renewals exists, the lender may assume continuation will be granted.

4. Inter vivos or “living” revocable trusts, provided the individual borrower:

• Remains a beneficiary of the trust
• Occupies the property as a principal residence

Also, if you’re a spy or work covert operations and have diplomatic immunity, no dice OR FHA loan for you. Sorry!