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What this task is

This task collects a legible copy of the borrower’s current work visa when the borrower is a non-permanent resident alien relying on employment income to qualify. The documentation should clearly show:
  • The visa type,
  • Validity dates, and
  • Any relevant conditions or restrictions.
The work visa, together with other immigration and employment evidence, helps the lender confirm that the borrower is legally authorized to work in the country.

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When this task is required

This task is required when:
  • The borrower’s citizenship or residency status is recorded as a non-permanent resident alien, and
  • The borrower is using employment or self-employment income earned in this country to qualify for the loan.
Typical scenarios include:
  • Borrowers on temporary work visas (for example, employer-sponsored or specialty occupation visas).
  • Borrowers who have recently relocated to the country and whose eligibility depends on current work authorization.

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Why this task is required

Lenders must ensure that qualifying income is likely to continue for the foreseeable future. For non-permanent resident borrowers, this depends in part on their legal ability to work:
  • If work authorization is valid and stable, the income may be considered reliable.
  • If work authorization is expired, expiring soon, or uncertain, there may be heightened risk that income will not continue.
Collecting the work visa allows underwriters to:
  • Confirm current legal work authorization.
  • Evaluate how the remaining term of the visa aligns with program requirements for income continuity.
  • Ensure compliance with agency, investor, and regulatory rules regarding non-permanent residents.
Without clear documentation, the lender may be unable to rely on the borrower’s income, which can significantly affect eligibility and loan terms.

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Documents needed to resolve this task

To satisfy this task, provide:
  • A clear, legible copy of the current work visa:
    • All pages or sides that show the borrower’s identifying information, visa classification, and validity period.
    • Any endorsements or annotations that extend, modify, or restrict work authorization.
  • If applicable, supporting employment or immigration documents that clarify status or extensions (for example, notices of approval or extension of stay).
These documents allow the underwriter to align the borrower’s immigration and work status with the program rules for income stability and eligibility.