Announcement 21-0004: HUD Announces New Guidelines for Borrowers with DACA Status


On January 20, 2021, HUD announced major changes to their guidelines for borrowers with Deferred Action for Childhood Arrivals (DACA) status. Individuals classified under DACA who are legally permitted to work in the U.S. are eligible to apply for mortgages backed by the FHA. These changes are effective immediately and apply to new loan submissions as well as pipeline loans. The following guidelines now apply to borrowers under this category:

  • The property must be the borrower’s principal residence;
  • Borrower must have a valid Social Security Number (SSN);
  • Borrower must be eligible to work in the U.S., as evidenced by the Employment Authorization Document issued by the USCIS; and,
  • Borrower must satisfy the same requirements, terms and conditions as those for U.S. citizens.


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