TN Visa Mortgage – Everything You Need to Know

If you’re a non-immigrant looking to work in the United States, you may have heard about the TN visa. This visa allows citizens of Canada and Mexico to work in specific fields in the US. However, one question that often arises for TN visa holders is whether they can obtain a mortgage.

Most TN visa holders often worry about the mortgage application process because they’re not US citizens or permanent residents. If you’re in this situation, you’re in the right place! In this article, we will guide you through everything you need to know about TN visa mortgages, including:

  • What is a TN visa mortgage?
  • Who is eligible for a TN visa?
  • Why TN visa holders may be knowledgeable about mortgage options
  • How TN visa holders can obtain a mortgage

Understand TN Visas

Before we dive into how to get a TN visa mortgage, let’s first understand what a TN visa is. A TN visa is a temporary work visa granted to eligible Canadian and Mexican citizens. This visa is issued under the North American Free Trade Agreement (NAFTA). The TN visa allows workers in certain designated occupations to work in the US for up to three years (with possible extensions), subject to certain conditions.

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Who is Eligible for a TN Visa?

To qualify for a TN visa, you must be a citizen of either Mexico or Canada. Additionally, you must have a job offer in a designated profession in the US. This list of occupations includes occupations in finance, science, engineering, and the arts, among others. To obtain a TN visa, you must provide evidence that you meet the qualifications for the profession. This evidence can include your educational credentials, work experience, and job description.

Why TN Visa Holders May Be Knowledgeable About Mortgage Options?

One of the benefits of TN visa holders is that they are often highly skilled and earn a good income. These qualifications make them eligible for many mortgage options, just like US citizens. TN visa holders are legally allowed to buy a home in the US, and many banks and financial institutions are more than willing to offer them loans.

Another benefit of TN visa holders is that they have the opportunity to purchase a home in the US before obtaining permanent residency. This can be a great investment since home prices in the US are typically higher than in Canada or Mexico.

How to Obtain a TN Visa Mortgage

Getting a mortgage on a TN visa is relatively straightforward, although there are some requirements that borrowers must meet. Here are some tips for getting a TN visa mortgage:

1. Find the Right Lender

The first thing you should do when looking for a TN visa mortgage is to find a lender that understands your unique situation. Look for lenders who specialize in working with non-US citizens and have experience with TN visa holders. This will help ensure that your application process goes smoothly and that you receive the best possible interest rate and terms.

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2. Provide the Right Documents

When applying for a TN visa mortgage, you need to provide different paperwork than US citizens. For example, you may need to submit additional documentation to prove your income, as well as copies of your passport and visa. Your lender will provide you with a list of the required documents.

3. Build Your Credit Score

Credit history is essential in the US, and having a good credit score can make a big difference when applying for a mortgage. As a non-US citizen, you may not have an established credit history in the US. However, you can start building your credit by applying for a secured credit card or a credit builder loan. This can help establish your creditworthiness in the eyes of the lender.


If you’re a TN visa holder looking to get a mortgage, it’s essential to understand the various requirements involved. By following the tips we provided above, you can increase your chances of obtaining a mortgage and securing your dream home in the US.

TN visa holders can successfully buy a home and take advantage of the many mortgage options available to them. Look for a lender who understands your unique circumstances, provide the necessary documentation, and work on building your credit score. With these steps, you can get one step closer to owning a home in the United States.


1. Can TN visa holders get a mortgage in the US?

Yes, TN visa holders can get a mortgage in the US. They need to find the right lender, provide the required documentation, and have a good credit score.

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2. What documents are required for a TN visa mortgage?

The documents required include proof of income, a copy of your passport and visa, and any other documentation required by the lender.

3. How to find the right lender for a TN visa mortgage?

You should look for lenders who specialize in working with non-US citizens and have experience with TN visa holders. This will help ensure that your application process goes smoothly and that you receive the best possible interest rate and terms.

About the Author

Latasha W. Bolt

Latasha is a travel writer based in Atlanta, Georgia. She has a degree in journalism and has been traveling the world since she was a teenager. Latasha is experienced in navigating the visa and passport application process and shares her knowledge and experiences on the blog. Her articles are personal and engaging, providing readers with a unique perspective on the joys and challenges of international travel.

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